PriceHubble's mortgage loan underwriting software solutions empower lenders to make better-informed, faster, and less risky decisions throughout the mortgage lifecycle, helping you identify risk earlier in the lending process while significantly reducing operational costs and processing times.
Optimise loan underwriting processes and increase operational efficiency
Our suite of data-driven modules enables lenders to make faster, better-informed residential property risk decisions from initial application through to portfolio securitisation. We also provide tailored solutions for buy-to-let lending and accurate debtor income and expenditure profiling, helping you streamline workflows, reduce human error and cut costs across the entire mortgage lifecycle.
Property assessment
Essential for the loan origination stage, our property assessment module acts as both a digital D.I.P. and digital F.M.A.. It instantly screens properties against lending rules, LTV criteria and title deed issues, then performs a deep-dive analysis of key attributes, risks and valuation. The system triages applications to determine whether an AVM, desktop survey or full physical inspection is required, ensuring you only invest resources where it matters most while accelerating time to offer.
Portfolio monitoring
Designed for servicing and securitisation use cases, this underwriting module continuously monitors your mortgage loan portfolio, providing live alerts for changes that impact value or risk. Track flood, subsidence, planning, market movement, title amendments, climate, EPC ratings and building cladding across your entire book. Our enrichment capabilities prepare portfolios for securitisation with ESG data, rental indices, lease details and climate exposure at individual property level, enabling optimal market presentation and risk pricing.
Buy-to-let mortgage insights
Access comprehensive rental data, local market trends and property-specific data to assess buy-to-let mortgage applications with confidence. Our solution helps lenders evaluate rental stability, asset value and regional performance, enabling faster loan approval decisions and improved risk management for BTL portfolios while reducing reliance on manual research.
Loan affordability insights
Conduct accurate debtor income and expenditure profiling using enriched expenditure data and statistical benchmarks. Our solution supports fair, balanced, and regulatory-compliant affordability assessments, helping lenders minimise credit risk while delivering a higher-quality customer experience to borrowers throughout the loan origination process.
Customer success story: How Landbay sped up underwriting
Landbay is a specialist buy-to-let mortgage lender. Its platform is designed to offer a seamless experience from loan application to approval. Challenge: Improve operational efficiency, minimise risk and make informed decisions faster for buy-to-let mortgage applications. Solution: Landbay integrates PriceHubble's comprehensive and accurate property data solutions.
Significantly accelerated the underwriting process by reducing the need for time-consuming manual checks
Enhanced data accuracy and efficiency in decision-making
Improved customer experience by reducing processing times
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Built for enterprise-grade security and compliance in the mortgage industry
Designed to meet the rigorous requirements of regulated financial institutions and UK data standards, our platform ensures your loan underwriting processes remain secure, compliant and auditable.
FSQS certified supplier status
UK GDPR compliance and UK data residency
ISO/IEC 27001:2022 certification
Data encryption at rest and in transit
Backup and retention policies aligned with regulations
Supports RICS-aligned processes and Financial Conduct Authority (FCA) expectations with transparent, auditable outputs
