Property Condition Verification for Mortgage Lenders
De-risk lending decisions with verified property maintenance records. Manage remediation cases on problem assets with full audit visibility.
You're lending against properties you can't fully assess
Mortgage valuations give you a snapshot, but they don't tell you the maintenance history. A property might look presentable but have a history of unresolved damp, outdated electrics, or a boiler that hasn't been serviced in years. When these issues surface post-completion, the lender is exposed — especially on buy-to-let, HMO, and higher-LTV loans.
Verified maintenance data and remediation management
Tradelynx Enterprise gives mortgage lenders access to verified property maintenance histories and a case management platform for remediation works. Before releasing funds, check what maintenance has been done. If conditions need meeting, dispatch verified contractors through the platform and track compliance. Every action is documented for your audit file.
Key features
Common use cases
- Pre-completion property condition verification
- Survey condition remediation tracking
- Buy-to-let compliance verification (GSC, EICR, EPC)
- HMO licence and compliance monitoring
- Repossessed property maintenance management
- Arrears property condition assessment
- New build snagging verification
- Bridging loan property condition checks
Pricing
All plans include a 14-day free trial. No credit card required.
Frequently asked questions
What property data is available?+
Tradelynx records verified maintenance work — plumbing, electrical, roofing, building, and more — from real jobs completed by verified tradespeople. You can see what was done, when, by whom, and whether relevant certificates are current.
Can this integrate with our underwriting platform?+
Yes. The REST API supports property lookups by address or UPRN. You can automate condition checks as part of your underwriting workflow and receive results programmatically.
How does remediation case management work?+
When a survey identifies conditions that need meeting before drawdown, create a case linked to the loan reference. Dispatch verified contractors, track their work, and receive completion evidence — all documented for your compliance file.
Is the data verified?+
Yes. Maintenance records come from real jobs completed through the Tradelynx platform by identity-verified, insurance-validated tradespeople. This isn't self-reported — it's verified through the job completion process.
What types of lending does this support?+
Residential mortgages, buy-to-let, HMO, bridging finance, development finance, and commercial lending where property condition is a factor in the lending decision.
Ready to get started?
14-day free trial. No credit card required.
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