New MortgageChecker App provides lenders with instant, remote “triage” for mortgage applications.

7th January 2022

Leading UK residential property data specialists WhenFresh has launched its new MortgageChecker solution, which enables lenders and brokers to significantly streamline mortgage application processing, to provide faster, better service to customers, as well as saving time and money.

On receipt of each new application, the lender simply accesses their MortgageChecker App and enters the:

> Property Address
> Agreed Sale Price
> Requested Mortgage Amount

In real-time, MortgageChecker then interrogates WhenFresh’s vast property data assets and remote valuation tools to instantly screen the property against lending rules and LTV criteria, as well as checking for any potential Title issues, such as flying freehold or restrictive covenants.

MortgageChecker then immediately returns a result for each mortgage application, based on a traffic light system:

GREEN – PROCEED DIRECT TO LEND – Where the property clearly and fully meets lending rules and LTV criteria, the lender make an immediate mortgage offer (using an AVM valuation if needed), with no need for a physical property inspection/valuation.

AMBER PROCEED, SUBJECT TO STANDARD SURVEY – Where the property is a border-line pass of lending rules and LTV criteria, or where MortgageChecker identifies potential issues, the lender should “proceed with caution” using a standard or desktop survey.

RED – BEWARE, SIGNIFICANT ISSUES IDENTIFIED –  Where the property falls outside the lending rules and/or LTV criteria, MortgageChecker highlights the issue to the lender so they can make an informed decision as to whether and how to proceed before incurring costs.

To find out more and book your demo, visit

WNS Launches Omnichannel AI-driven ‘Quote & Buy’ Solution For UK Home Insurers, Powered By WhenFresh Data.

20th January 2023

January 2023 – Digital transformation leaders WNS have partnered with residential property data specialists WhenFresh to launch a new AI-driven omnichannel ‘Quote & Buy’ platform in the UK, enabling home insurers to deliver improved customer experience and reduced acquisition costs. The home insurance market in the UK has become highly commoditised, with insurers increasingly reliant […]

The WhenFresh Decisions-as-a-Service suite enables Mortgage Lenders to make faster, better-informed decisions through the full mortgage lifecycle.

12th December 2022

WhenFresh is the UK’s Residential Property Data Bureau and provides Mortgage Lenders with instant access to all the data they need to make faster, better-informed decisions throughout the full mortgage lifecycle, from initial application tight through to securitisation. WhenFresh Decisions-as-a-Service provides instant, remote property risk assessment – complementing the credit bureau services which assess consumer […]

Property Intelligence: The Where and What – New InsTech report, featuring WhenFresh

22nd November 2022

22 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 […]