WhenFresh's future with PriceHubble
Coventry-City-Council-WhenFresh-800-x-120-px

2nd January 2024:  The licensing of HMOs (Homes of Multiple Occupancy) is a ‘hot topic’ for Councils up and down the country, where potentially significant revenues from undeclared and therefore unlicensed HMOs are lost and unscrupulous landlords are failing to comply with their statutory obligations.

To meet this challenge, WhenFresh has developed an innovative unlicensed HMO targeting solution to help Councils identify and prioritise investigations into potential unlicensed HMOs – to ultimately recover lost revenues, enforce landlord compliance and protect tenants.


One of the first local authorities to adopt the WhenFresh unlicensed HMO targeting solution is Coventry City Council and, by comparing their existing HMO licensing information against the candidate file supplied by WhenFresh, rental properties which appeared likely to be unlicensed HMOs were identified and prioritised for investigation.

Coventry City Council has already realised a 10x return on investment through fines and collection of additional licensing revenue, from completing investigations into only just a small proportion high priority cases delivered by the WhenFresh solution, with a success rate of 95% to date.

The WhenFresh unlicensed HMO targeting solution is also helping to expose portfolios of multiple unlicensed properties owned by individual landlords, from single investigations.

Paul Rout, SVP of Consultancy at WhenFresh states: “By using our own rich property data assets, supplemented by inputs from Equifax, Royal Mail, Zoopla and other data partners, we’ve been able to develop the means for Councils to focus their investigations on the HMOs within their areas which are most likely to be unlicensed. This enables their often-overstretched resources to recover lost licensing revenues and increase future licensing income very much more efficiently and cost-effectively than ever before. It’s a pleasure working with the Coventry City Council team and they’re already producing exceptional results. Long may that continue – and we look forward to helping plenty more local authorities to achieve similar outcomes.”


About the WhenFresh Unlicensed HMO Targeting Solution

The WhenFresh Unlicensed HMO Targeting Solution delivers the following information on residential properties within Coventry City Council’s area:

1 – Classification of residential property into owner-occupied, social rental and private rental properties;

2 – An aggregated HMO candidate ‘Risk Flag’, whereby rental properties are scored and prioritised by high to low likelihood to be HMO. This prioritisation is based on a range of factors including:

> Property attributes – property type, number of bedrooms, bathrooms, receptions etc…
> Property transactions – rental history.
> Third party data inputs – including Equifax, Royal Mail, letting process data etc…
> EPC Data – Energy Performance Certificates.

3 – As part of the solution, WhenFresh also delivers EPC data (where available) including current and potential EPC ratings to identify whether properties can be let.

In summary, the data-driven WhenFresh solution has already enabled Coventry City Council to recover significant lost revenues, drive up efficiency and success rates by focussing its resources on priority investigations into the most likely unlicensed HMOs.

To find out more about the WhenFresh unlicensed HMO targeting solution, please call Paul Rout on 020 7993 5818 or visit www.WhenFresh.com/HMO-Discovery

September 2023 – As well as being a regulatory requirement in certain sectors, the EPC (Energy Performance Certificate) rating data for any individual property (or a full mortgage book, for example) can be a key indicator to current and future risk, condition and value. EPC ratings are also important in the context of ESG and sustainability. 

WhenFresh, the UK’s Residential Property Bureau, now provides fast, flexible access to EPC data with supporting carbon output and energy usage data, at individual property level. 

Our accessible EPC data can be matched to the property Title Number, Address, UPRN or UDPRN and data can either be accessed instantly via the WhenFresh API or via a Flat-File data append (e.g. to a full mortgage book). Read More…

12th September 2023: “An innovative measure of landlord property transactions shows the UK private rental sector has likely been shrinking for at least the last two years, but less quickly than other indicators suggest”, states the Bank of England, describing it’s newly published analysis.

The report is based on property data supplied by WhenFresh and data partners Zoopla & Land Registry. Visit the Bank of England Overground to read the analysis…

Bank-of-England

About WhenFresh

WhenFresh ( www.WhenFresh.com ) is a leading supplier of data to the UK Financial Services, Local Authority, Utilities and other sectors and has established itself as the UK’s Residential Property Data Bureau, by bringing together over 200 proprietary, private and public UK data sources in one place. 

WhenFresh creates bespoke data-driven decision engines and Apps, as well as supplying ‘ingredients’ including property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data to its clients for a wide range of applications.

22nd November 2022, London:

InsTech – which describes itself is a leading network identifying and promoting the use of the best technology, data and analytics within insurance and risk-management around the world – has launched the second in its series of major reports on property intelligence in regards to insurance, and WhenFresh are again delighted to feature prominently.

As Ali Smedley, InsTech’s Senior Research Analyst puts it in the new report’s introduction:

‘Last year we released our first property intelligence focused report, Location Intelligence 2021 – the
Companies to Watch. It covered all aspects of property intelligence including location data, property
attribute information, catastrophe modelling and remote claims assessment. This year’s report focuses
only on the “where” and “what” of property intelligence – understanding where a property is located and
what it is made of to help insurers improve risk selection, underwriting and pricing.

We covered remote claims in a report released earlier this year. In early 2023 our next report will focus on “what risks do I face”. In relation to property intelligence, particularly focusing on hazard data and modelling. This report reviews the latest trends and technologies in acquiring information for geocoding, building characteristics and rebuild values, as well as profiling the companies we know providing solutions in this space.’

The report is available to download for free, here.

25th October 2022: FinTech Global – leading provider of FinTech news, research, information services & events – has just published its 5th annual InsurTech100 report, featuring WhenFresh for the 2nd year running.

The InsurTech100 Report is described as “an annual list of 100 of the world’s most innovative InsurTech companies selected by a panel of industry experts and analysts… the companies every leader in the insurance industry needs to know about as they consider and develop their digital transformation strategies.”

WhenFresh CEO & Co-Founder Mark Cunningham states: “We’re delighted to have again earned our place in this prestigious annual InsurTech100 report, alongside a sparkling array of fellow innovators and disruptors in InsurTech & FinTech! Congratulations to all those who’ve been recognised this year and thanks again to the wise and learned panel of industry experts, analysts and insurers who have chosen to include us again, in such a competitive space. Our large, expanding portfolio of insurance clients are continuously challenging us to source new property-related datasets and tailor-made apps to help them make faster, better, less-risky decisions – and this helps keep up the cutting edge of innovation. We’re looking forward to another highly progressive year!”

The FinTech Global InsurTech100 2022 Report states:

WhenFresh is an award-winning supplier of property data and related solutions, primarily to UK Home Insurers and Mortgage Lenders. It has created the UK’s “Residential Property Data Supermarket” by bringing together its own proprietary datasets with a huge range of best-in-class private & public property data sources.

Via a single, simple API integration, WhenFresh now provides users with instant access to over 2tn data items, including residential property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data, on a pay-as-you-go basis.

WhenFresh customers include leading UK home insurers, 8 of the top 10 mortgage lenders, the Bank of England and disruptive players in insurance and lending, such as Uinsure, Locket, Twenty7Tec and MQube.

As well as supplying ‘raw’ data ingredients, WhenFresh develops customised Apps which enable insurers and lenders to interrogate its huge data assets easily and instantly via rules-based engines, to make faster, smarter, less-risky remote decisions.”

Congratulations to all the insurtech & fintech innovators featured in this influential report, which can be downloaded for free at: https://TheInsurTech100.com

To find out more about WhenFresh, try the new “Mini-Demo” below to see a selection of some of the residential property data items that leading Insurers & Mortgage Lenders most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more for virtually every residential property in the UK.

The addition of MyShawbrook bridging will “streamline the entire bridging application process”, according to the lender.

Brokers will be able to access instant integrated valuation and credit-backed heads of terms. They can also instruct solicitors during the agreement in principle stage.

The portal has a maximum loan calculator so brokers can get a better understanding of how much Shawbrook can lend to customers, even if there is more than one loan requested.

Alongside the integration of WhenFresh property data, Shawbrook’s portal also has integrations with Experian, Companies House and other sources, which it says will reduce the need to input extra data and documentation. Read more…

“This development is another way to showcase the investment Shawbrook is making in tech and our aim to make the offer process as smooth and straightforward as possible for customers and broker partners.”

Nottingham, UK, 15 February 2022

● WhenFresh and Connected Data partnership will inject valuable property related insight into key processes to enable timely and more appropriate customer engagement

● WhenFresh, creators of the UK’s ‘residential property data bureau’, is the latest leading UK data provider to partner with Connected Data

UK households are facing a ‘cost of living’ crisis and organisations across all sectors are preparing for record levels of debt. These organisations are striving to better understand where and when debt will occur, and to ensure they treat customers fairly whilst looking to resolve their arrears.

WhenFresh, an award-winning supplier of property data and related solutions to the UK’s leading home insurers, mortgage lenders, public sector and other big data users, has partnered with data driven technology company, Connected Data, to provide a valuable dimension to the way debt is understood and managed by organisations in the UK.

WhenFresh has created what it refers to as the UK’s ‘residential property data bureau’ by  combining over 200 proprietary, private and public UK datasets (e.g. residential property attributes, risk, peril, topological, geospatial, environmental, climate, market and remote valuations data) with advanced analytics, all in one place.

With the aim of achieving positive engagement and fairer outcomes for indebted customers, this exciting partnership will enable organisations to better understand an individual’s circumstances and potential level of affordability through property related data. WhenFresh’s address level insight will enhance the in-depth intelligence Connected Data already provides on individuals, powered by its relationship with several leading data providers.

Paul Rout, Senior Vice President at WhenFresh, said: “The UK’s leading home insurers, mortgage lenders and disruptors to the market see the significant value of the insight we provide in their lending decisions and insurance quotes. We also recognise the potential of these residential property data assets in the management of debt, and their specific role in timely and appropriate engagement. Combining property data with traditional debt management data assets creates powerful insights into debtors’ circumstances, a process which Connected Data are very well placed to do.

“Connected Data is already disrupting the way UK organisations manage debt with a clear focus on ensuring positive outcomes for all parties. They were the natural choice for us as a partner and we are excited about the positive impact our partnership will have.”

Kirk Fletcher, Founder and CEO of Connected Data, said: “Our goal is to enable organisations to engage with their customers in an informed way with as much relevant insight on their circumstances as possible. It will always enable a better conversation and a fairer debt journey for the customer, as well as optimise an organisation’s processes.

“WhenFresh’s data provides a new and vital element to an organisation’s understanding of its customers’ circumstances. And they have a clear mission to ensure the person at the end is treated fairly. We are delighted to be partnering with them.”

As the latest data partner to work with Connected Data, the partnership with WhenFresh continues to highlight how the company is bringing innovation to the way organisations manage their debt portfolios. By integrating different datasets from multiple leading data providers, not only is Connected Data enabling organisations to achieve the most in-depth insight possible, but it is removing ‘data noise’ – a significant barrier for organisations seeking to better understand and connect with their customers.

Read more at CCR Magazine


About Connected Data
Connected Data transforms an organisation’s insight across its debt management process, simplifying the deployment of predictive data, removing data noise and identifying opportunities to prevent and reduce debt across its organisation. Connected Data works in partnership with UK leading data solutions providers to truly data enable debt management processes.

About WhenFresh
WhenFresh is a leading supplier of data to Financial Service sector, public sector and other Big Data users, including 8 of the top 10 UK banks and the Bank of England. WhenFresh has built the UK’s “Residential Property Data Bureau”, by bringing together over 200 proprietary, private and public UK data sources in one place. Via a single, simple integration, the WhenFresh API provides users with instant access property attribute, risk, peril, topological, geospatial, environmental, climate, market movement, ownership and remote valuations data, on a pay-as-you-go basis. WhenFresh were awarded Data Enabling Solution of the Year at the DataIQ Awards 2021 and feature prominently in a number of prestigious “Top 100” FinTech and InsurTech reports.

London, 12 November 2021: As the COP26 summit in Glasgow draws to a close, property data specialists WhenFresh have announced a major extension to their climate change offering by making Ambiental’s FloodScore™ Climate data suite available via its award-winning API.

Ambiental’s FloodScore™ Climate enables the (re)insurance and banking sector to respond to the Bank of England’s regulatory requirements and also general business future-proofing. It does this by providing individual property-level flood risk scores, both for the present day and the 2050s and 2080s, based on low, medium, and high emission scenarios as defined by UKCP18 (the UK Climate Projections).

The move follows the integration of Ambiental’s FloodScore™ back in February, where each UK property is given a measure of the likelihood and severity of a flood hazard affecting it from fluvial, pluvial, and tidal sources.

The FloodScore™ Climate data provides the means for mortgage lenders, insurers, and other parties to assess current and future flood risk data for more accurate analysis of risk within existing portfolios, to meet both commercial needs and their regulatory obligations.

Rob Carling, Ambiental’s Channel Sales Manager, said: “We are pleased to extend our partnership with WhenFresh by adding our FloodScore™ Climate dataset to their highly regarded API. “The demand from the financial sector for accurate data has increased significantly over the last few years,” he continues. “We expect this trend to continue following the Bank of England’s strategic focus on climate change risks, and new legislation coming into force from April 2022 that makes it mandatory for firms to disclose climate-related financial risks and opportunities.”

Mark Cunningham, co-founder and CEO of WhenFresh adds: “It’s a great step forward for us to have Ambiental’s FloodScore™ Climate data alongside the ever-growing stable of property attribute, risk, peril, environmental, geospatial, topological, and valuation datasets we make available through the WhenFresh API.

“Our aim has always been to make best-in-class datasets such as this easily accessible to end users to remove the barriers to digital transformation – and we’re seeing a solid increase in the use of climate and environmental data among insurers, banks, and other big data users, not least for regulatory reasons.”

Ambiental FloodScore Climate Data added to WhenFresh API
Visualisation of a segment of Ambiental’s UK FloodMap™ with properties colour-classified depending on their FloodScore™ risk
rating value

About WhenFresh

WhenFresh (www.WhenFresh.com) is a leading supplier of data to UK Lenders, Insurers, and other Big Data users, and provides the UK’s Residential Property ‘Data Supermarket’, which brings together over 200 proprietary, private, and public UK data sources in one place.

Via a single, simple integration, the WhenFresh API provides users with instant access over 2tn data items, including property attribute, risk, peril, topological, geospatial, environmental, climate, market, and valuations data, on a pay-as-you-go basis.

WhenFresh were awarded ‘Data Enabling Solution’ of the Year at the DataIQ Awards 2021 and feature prominently in a number of prestigious ‘Top 100’ InsurTech reports.

About Ambiental Risk Analytics

Ambiental Risk Analytics, a company of Royal HaskoningDHV, is a global specialist in environmental hazard intelligence, predictive analytics, and risk management. Ambiental provides flood forecasting systems using flood modelling techniques that support better decision-making around flood and climate risk management by predicting the location and severity of flooding, preventing damage, and protecting people, property, and assets. It is Ambiental’s belief that all people, property, and capital should be resilient to flooding and climate change risks. Ambiental was founded in 2002 and became part of Royal HaskoningDHV in 2019.

This podcast features highlights and key insights from the recent Instech London property risk event at The Steel Yard in London.

‘Property Risk – What’s New and What Works?’ brought together experts in flood forecasting, digital twins, rebuild costs, remote assessment and more, to discuss new data and analytics solutions that are helping insurers understand the physical characteristics and risks of properties.

The episode begins with Robin in conversation with Todd Rissel, Chairman and CEO of event sponsors e2Value, and is followed by interviews with: 

Talking points include: 

If you would like to hear more about the work our guests and their companies are doing, click the links above to visit their respective InsTech London member profiles. Further podcast episodes are also available featuring Todd Rissel (Podcast 153), Mark Cunningham (Podcast 111), Archipelago (Podcast 145), and Bob Frady (Podcast 135).

The full FinTech Global INSURTECH100 2021 has just been released – featuring WhenFresh

The FinTech Global INSURTECH100 is an annual list of 100 of the world’s most innovative InsurTech companies selected by a panel of industry experts and analysts and is described as the top 100 companies every leader in the insurance industry needs to know about as they consider and develop their digital transformation strategies and new customer propositions.

The criteria assessed by the Advisory Board and FinTech Global team include the following:

> Industry significance of the problem being solved
> Growth, in terms of capital raised, revenue and customer traction
> Innovation of technology solution
> Potential cost savings, efficiency improvement, impact on the value chain and/or revenue enhancements generated for clients
> How important is it for insurance executives to know about this company?

Mark Cunningham, WhenFresh CEO and co-Founder, stated “Since launching the WhenFresh API a couple of years ago we’ve had many major client wins, but we generally can’t shout about them as they are under NDA. Major insurers and lenders often prefer to keep us as their ‘secret weapon’! This makes our inclusion in this prestigious FinTech Global INSURTECH100 report and the other public awards & accolades we’re enjoyed lately even more important for us, especially as they are based on votes from judging panels which generally feature many of our clients! We’re very pleased and honoured to take high rank in such an innovative and talented InsurTech eco-system.”

FinTech Global InsurTech 100 2021 (2000 x 2000 px)

The FinTech Global report states:

“WhenFresh is an award-winning supplier of property data and related solutions to UK Home Insurers and Mortgage Lenders. It has created the UK’s ‘Residential Property Data Supermarket’ by bringing together its own proprietary datasets with a huge range of best-in-class private & public property data sources.

Via a single, simple API integration, WhenFresh now provides users with instant access to over 2tn data items, including residential property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data, on a pay-as-you-go basis.

WhenFresh customers include leading UK home insurers, 8 of the top 10 mortgage lenders, the Bank of England and disruptive players in insurance and lending, such as Uinsure, Hiro, Twenty7Tec and MQube.


As well as supplying “raw” data ingredients, WhenFresh develops customised Apps which enable insurers and lenders to interrogate its huge data assets easily and instantly via rules-based engines, to make faster, smarter, less-risky remote decisions.”

Congratulations to all the insurtech innovators featured in this influencial report, which can be downloaded for free here: FinTech Global INSURTECH100

To find out more about WhenFresh, try the new “Mini-Demo” below to see a selection of some of the residential property data items that leading Insurers & Mortgage Lenders most commonly call from the WhenFresh API to support their automated decisioning. WhenFresh are able to supply these data items and many, many more for virtually every residential property in the UK.


To find out more about the property attribute, risk, peril, topological, geospatial, environmental, climate, market and valuations data now available via the WhenFresh API – the UK’s Residential Property “Data Supermarket” – please call us on 020 7993 5818 or complete our short enquiry form.