TwentyCi, the UK’s leading residential property data provider, has today announced the launch of EcoVal360, a sophisticated property-level API solution designed specifically to help mortgage lenders and financial institutions navigate the evolving landscape of ESG regulation and collateral risk.
For the first time, EcoVal360 brings together three critical components of property intelligence that lenders have traditionally had to compile from disparate sources: specific property attributes, accurate automated valuations, and comprehensive risk data.
As ESG reporting requirements move from high-level corporate goals to granular, property-specific evidence, EcoVal360 provides an automated route for risk teams and underwriters to view the ‘DNA’ of a dwelling. Delivered via a single API call or the TwentyCi SaaS platform, the report provides a consistent, property-level view of:
- Valuation & confidence: Accurate sale and rental valuations from TwentyCi’s Decision AVM, which are updated weekly and include local area benchmarks and confidence bands (A-F/U).
- Physical climate risks: Current and future risk analysis for flooding, coastal erosion, ground stability, and heat stress, sourced from industry leader Twinn (formerly Ambiental).
- Energy performance: Detailed EPC data, including current efficiency ratings and specific steps to save energy with estimated costs and savings to help borrowers improve their property’s ESG footprint.
- Property history: Comprehensive sales and listing history (both sales and rental) derived from TwentyCi’s daily updated DOMUS dataset, which covers 32.6 million properties across the UK.
"EcoVal360 was built to ensure that mortgage lenders stay ahead of regulatory requirements by highlighting specifics about every property in their collateral book,” says Stuart Ducker, Strategic Solutions Director at TwentyCi.
“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."
Built for scale and automation, EcoVal360 is designed to plug directly into existing lending workflows. It replaces legacy spreadsheets with a live, property-level view that supports both new lending decisions and back-book reviews.
The launch comes as the mortgage industry faces increasing pressure to report on the climate resilience and energy efficiency of residential portfolios. Unlike postcode-level averages, EcoVal360 provides data linked to the Unique Property Reference Number (UPRN) – the de facto standard for the property industry – ensuring the highest possible level of address accuracy.
