The UK's Residential Property Data Bureau: WhenFresh by PriceHubble
Bringing together over 200 best-in-class proprietary, private and public residential property datasets to deliver innovative data-driven solutions to mortgage lenders, insurers, local authorities and other Big Data users.
Mortgage lenders: Make faster, better-informed residential property risk decisions
Decisions-as-a-Service for Mortgage Lenders supports the full mortgage lifecycle from origination to securitisation and is delivered via 4 modules: LOOP instantly screens each property against lending rules & LTV criteria at initial application, then ’loops’ rejects back to the broker; PATH, the remote ‘digital FMA’, informs the lender either to make an immediate mortgage offer, or which level of property survey is needed before proceeding; WATCH monitors your portfolio and alerts you to any changes which impact the value/risk of each property; WRAP delivers comprehensive, property-level data enrichment to prepare the mortgage book for optimal securitisation.
Premium prefill, risk and underwriting solutions for insurers
With just an address, WhenFresh by PriceHubble instantly provides all key property attributes including: risk, peril, environmental and valuation data. Use this data to pre-fill your web forms and increase your client conversion rate, reduce acquisition costs and generate better quality and higher quantity of quotes. Or equip your risk and underwriting teams with a comprehensive range of data so that they can provide unprecedented insights for new policies and existing portfolios, and drive faster, better-informed risk decisioning.
Identify unlicensed HMOs and unlock additional revenue
Our innovative ‘HMO Discovery’ solution is a key element of the range of services we provide to local authorities. Private rental properties are analysed and ranked using an advanced data-driven scorecard so that your housing teams can identify unlicensed HMO properties with over 90% accuracy. HMO Discovery can be implemented quickly and easily, with no technical integration needed, making it easy for you to get an immediate ROI while also ensuring landlord compliance and protection of tenants.
Tried and trusted solutions
WhenFresh’s wall cladding dataset enabled Together to truly assess our limited exposure to external wall cladding risk across the full book. Working with the WhenFresh analytics team has enabled us to establish a clear set of actionable data points that support our prudent approach to lending, and their data enrichment has helped us in preparing data for securitisation issuances where additional reporting requirements around ESG has been required.
Max GriffithsGroup Head of Qualitative Risks, Together Money
We are excited to partner with WhenFresh to further build on our award winning and highly automated mortgage origination platform. This partnership will ensure that our clients have access to the latest technology to further improve efficiencies and accuracies in the customer journey.
Mark WebsterHead of Mortgages, Capita Experiences
Find out more about WhenFresh by PriceHubble
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