The property report mortgage brokers send before the valuation
Equip your client with the EPC band, lease length, council tax, flood risk and title structure in one PDF, before the lender's valuer arrives.
Half of mortgage applications stall on details the broker only finds after the valuation comes back. EPC F/G triggers a refer-to-underwriter on green products. Sub-80-year leases drop the LTV ceiling. Flood Zone 3 changes the insurer panel. Premium reports give you all of that in 15 minutes, so you can structure the application correctly first time.
Search an addressWhat mortgage brokers actually need to check
The six risks that matter most for your purchase, all flagged in the report before you make an offer.
EPC band and green-mortgage eligibility
Current and potential band, plus the cheapest improvements. Tells you immediately which green-product range the property qualifies for.
Leasehold years remaining + risk band
Lease length is one of the most common reasons mortgages are referred. We show years remaining, marriage-value threshold, extension cost band, and lender risk profile.
Flood risk for insurer panel selection
Flood Zone classification (Zone 1, 2, 3) plus active warnings. Determines which insurers will quote at standard rates vs Flood Re.
Title number + freehold/leasehold split
Premium tier shows the HMLR title number, class and ownership type. Save your client the £3 HMLR fee per property by surfacing it in the report.
Council tax band + annual charge
Annual liability is a fixed cost lenders ask about. We show the band and the year's actual charge so your affordability calc is right.
Valuation evidence + £/sqft
Recent comparable sales and the local £/sqft average. Useful for setting a sensible reservation if the asking price is above market.
The report sections that matter most for you
Same report. Ordered by what matters to your decision.
- 1
Energy (EPC): current + potential band
Green-mortgage products typically require EPC C or better. We show the current band, the potential band, and the cheapest improvements to get there.
- 2
Leasehold Analysis
Years remaining is the single most common reason mortgages are referred. Premium tier shows the marriage-value threshold, extension cost band, and lender risk profile.
- 3
Title & Ownership
Title number, class, ownership type. Critical for any case requiring a Land Registry document, your conveyancing colleague will thank you.
- 4
Flood Risk + Active Warnings
Flood Zone classification + Environment Agency warnings. Drives both insurer panel and mortgage refer/decline decisions.
- 5
Valuation + £/sqft comparison
Recent comparable sales tell you whether the offer price is above the lender's likely valuation. Saves a wasted application if the gap is wide.
- 6
Council Tax + Stamp Duty
Annual council tax is a fixed cost in your affordability calculation. SDLT (with FTB / BTL variants computed) tells you the upfront cash needed at completion.
Premium report · £24.99
The Premium tier is the right level for mortgage broker use. Title & Ownership, Leasehold Analysis and the deeper planning history are exactly the sections that catch lender refers. Standard works for a sanity check on simpler purchases; Investor is overkill unless your client is a BTL portfolio buyer.
Get a report for your addressAll three tiers buyable. Premium adds ownership + planning depth. Investor adds full financial modelling.