TwentyCi has launched EcoVal360, a new property-level API solution aimed at helping mortgage lenders and financial institutions respond to growing ESG scrutiny and collateral risk requirements.
The product brings together three strands of property intelligence that lenders have typically sourced separately: property attributes, automated valuations and physical risk data.
The firm said the report can be accessed via a single API call or through its SaaS platform, providing what it describes as a consistent property-level view for underwriting and portfolio management.
EcoVal360 includes automated sale and rental valuations from TwentyCi’s Decision AVM, updated weekly and accompanied by local benchmarks and confidence bands ranging from A to F or U.
Alongside this, lenders receive current and forward-looking analysis of physical climate risks, including flooding, coastal erosion, ground stability and heat stress. The hazard data is sourced from Twinn, formerly known as Ambiental.
The report also incorporates detailed EPC information, including current energy efficiency ratings and suggested improvement measures with estimated costs and savings.
In addition, it provides sales and rental listing histories drawn from TwentyCi’s DOMUS dataset, which the company said covers 32.6 million UK properties and is updated daily.
Stuart Ducker (pictured), strategic solutions director at TwentyCi, said: “EcoVal360 was built to ensure that mortgage lenders stay ahead of regulatory requirements by highlighting specifics about every property in their collateral book.”
“In the current market, collateral risk is no longer a footnote; physical hazards and energy performance now sit in the same conversation as valuation.
“By pairing our market-leading AVM with property-specific hazard screening in one API, we are giving lenders the evidence-based tools they need for more consistent underwriting and robust portfolio monitoring.”
The launch comes as lenders face increasing pressure to evidence the climate resilience and energy performance of their residential loan books, as regulatory and investor expectations shift from broad corporate commitments to more granular reporting.
ADDRESS-LEVEL ACCURACY
TwentyCi said EcoVal360 is designed to integrate into existing lending workflows, replacing spreadsheet-based processes with what it describes as a live, property-level view. The tool can be used for both new lending decisions and back-book analysis.
Unlike postcode-level datasets, the solution links information to the Unique Property Reference Number, the industry standard identifier intended to provide address-level accuracy.
By anchoring valuation, risk and energy data to the UPRN, the firm said lenders can gain a clearer view of the characteristics and exposure of individual properties within their portfolios.
The move reflects a broader shift within the mortgage market towards embedding climate and energy considerations within core credit processes, rather than treating them as standalone compliance exercises.
