Test submitted valuations across an entire loan book. Value ranges for each area and property type, the evidence behind each, and a stated verdict on which figures are reliable enough to check automatically.
A valuation comes in on a property you're lending against. Checking it properly across a whole mortgage book would mean a valuer on every one, which is too expensive. So it does not get checked.
This report gives the normal price range for each type of property in each area, how many listings it's based on, and how reliable that makes it. A valuation inside the range is normal. One well outside it, where there are plenty of listings, deserves a second look before any money is lent.
It also says which figures are safe to check automatically and which need a person, because not every figure qualifies. That is what lets a bank put the number into a credit policy: the risk team can see exactly where the data is strong and where it is not.
Available to institutional clients on request.
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