Everything Tradelynx does / Mortgage lenders
What Tradelynx does for mortgage lenders
Transition-risk signals from the live EPC register and the open flood dataset, on consented property history, with every read logged.
What does Tradelynx do for a mortgage lender?
A lender gets transition-risk signals from the live EPC register, F and G flagged against the in-force MEES floor and below-C shown as exposure to the consulted 2030 standard, the Environment Agency flood band, dated attestations with PDF on consented history, portfolio monitoring, and a published method. Every read is logged.
By Mike Fellows, Founder, Tradelynx · IT and service management backgroundPublished 12 September 2026Last reviewed 12 September 2026
1. What you can do
- EPC and MEES transition risk. Current band verified against the live EPC register where matched, F and G flagged against the in-force E floor, below-C shown as exposure to the consulted 2030 standard, with the register's own potential rating as the pathway.
- Property attestations with PDF. A dated attestation of a property's consented record, downloadable as a PDF, with every read logged.
All 11 capabilities
11 of 11
| Capability | What it does | Evidence | Cost | Where | What it does not do |
|---|---|---|---|---|---|
| Open-data property reports | The South Coast Property Report and the monthly Local Property Health Index: register figures beside the platform's verified-maintenance rates, every figure with its method. | Register, Derived | Free | Web | Platform cells publish only above a privacy threshold; the licensed feed is a priced line. |
| Invite an owner to claim their Passport | Generate a claim-invite link for a property and hand it to your customer; you see pending or claimed, and seeing their record still needs their consent. | Platform-verified | Workspace, agreed per organisation | Web, Enterprise app | Tradelynx never contacts the owner; every request and fulfilment is logged. |
| Consented property history | The verified history an owner has consented to share, with the grade on every entry, as a page and a PDF; every read passes one gate and a database-level consent floor. | Platform-verified | Workspace, agreed per organisation | Web | An un-consented row cannot be returned; the owner's own view is the only ungated one. |
| Property Intelligence API and webhooks | Scoped API keys, public documentation with the method behind the risk products, webhooks with retry, and a licensed feed of the Property Health Index. | Platform-verified, Register | Property Intelligence API, per request | Web | The price per request and the monthly minimum charge only when priced, activated and above the coverage threshold; until then the API is free and the documentation says so. |
| Property Health Index feed | The monthly per-town index as a licensed feed. | Register, Derived | Property Health Index feed licence | Web | Cells publish only above the privacy threshold. |
| Team, roles and security | Invite your team with roles, require a second factor for the workspace, and reveal key-safe codes only through an audited two-step. | Platform-verified | Workspace, agreed per organisation | Web, Enterprise app | Second factor is mandatory for workspaces; key-safe reveals require re-authentication and are logged. |
| EPC and MEES transition risk | Current band verified against the live EPC register where matched, F and G flagged against the in-force E floor, below-C shown as exposure to the consulted 2030 standard, with the register's own potential rating as the pathway. | Register | Workspace, agreed per organisation | Web | Never the sole basis of a decision; the 2030 standard is consulted, not law. |
| Live flood band | The Environment Agency's rivers-and-sea band from a postcode-only lookup, attributed and labelled indicative, with the official checker linked. | Register | Workspace, agreed per organisation | Web | Surface-water, coastal and subsidence are not claimed. |
| Property attestations with PDF | A dated attestation of a property's consented record, downloadable as a PDF, with every read logged. | Platform-verified | Workspace, agreed per organisation | Web | Consent-gated; the grade on every entry travels with it. |
| Portfolio monitoring | Transition-risk signals across a portfolio, with the method published. | Register, Derived | Property Intelligence API, per request | Web | Unverified work is excluded; the API charges only when priced, activated and above threshold. |
| Counterparty checks | Companies House and FCA register checks on the organisation, by public reference number only. | Register | Free | Web | Reference lookups; no personal data is sent. |
2. What it costs
The Property Intelligence API is a priced line that charges only when priced, activated and above its data threshold; attestations and portfolio views carry no published price today.
- Property Intelligence API, per request: free during the pilot; charging is not switched on yet.
- Property Health Index feed licence: free during the pilot; charging is not switched on yet.
Every price on this page is resolved from the one pricing source at the moment the page is served; a line charges only when it is priced, activated and above its data threshold, and until then it says so.
3. Where the data comes from
- Register (7 capabilities). Read from an official register (the EPC register, HM Land Registry Price Paid, the Environment Agency, Historic England, Companies House, the FCA register) and shown as the register's own, with its reference.
- Platform-verified (5 capabilities). Recorded by the platform as it happened: a job completed and confirmed through Tradelynx, a payment it processed, an identity or credential it checked, a consent it logged.
- Derived (3 capabilities). Computed from the records above by a stated method (a score, a forecast, a due date); labelled indicative, never a quote or a verdict.
4. What it does not do
- A risk score explains itself and is never the sole basis of a lending decision.
- Below-C exposure is shown against the consulted 2030 standard, which is not law; F and G are flagged against the in-force MEES E floor.
- Unverified work is excluded from risk calculations.
- Flood is the rivers-and-sea band only, indicative and area-based; subsidence is not claimed.
Other audiences: Homeowners · Tenants and residents · Tradespeople · Housing associations · Letting agents · Estate agents · Facilities management · Landlords · Insurers