MarketCode for lenders
AVMs are a prior. We ship the valuation.
Reconciled comparables, planning + ground risk overlay, ownership trail and a written reasoning trace — produced by an agent your underwriters can audit. Powered by the Agentic Valuation playbook.
The problem
Where underwriter time gets burnt.
AVMs ship a number. Underwriters need the case.
Most lenders ship an AVM number. Then underwriters spend 4–6 hours per file reconciling comps, planning constraints, flood risk and ownership before they sign.
Portfolio refreshes take weeks.
Re-valuing a 500-property buy-to-let book against current comps is 6 weeks of analyst time. By the time it ships, the market has moved.
AVMs alone are insufficient under RICS Red Book.
The 2025 RICS Red Book and the 2024 US federal AVM rule both require professional judgement above the model. AVMs are evidence, not valuations.
Agentic Valuation
The agent gathers what an underwriter would gather — comps, planning, flood, ground, ownership — and produces an AVM range with a written reasoning trace. In minutes. With citations.
What you get per address
At portfolio scale
Re-value a 500-property book overnight.
The Portfolio re-valuation playbook runs Agentic Valuation in parallel across a portfolio. Confidence-banded ranges, RICS-AVM applicability flagged per asset, the assets needing a human valuer pre-gathered.
Built to RICS Red Book
Triages files. Doesn't replace valuers.
“Where artificial intelligence, automated valuation models or valuation calculation software is used, the outputs are only considered to be a written valuation if a valuer has applied their professional judgement to it.”
- Built to RICS Red Book criteria for automated valuations
- Audit-traceable citations on every line
- Confidence interval published per address, not hidden
- Human-in-the-loop where RICS requires it
- Customer data is not used for model training
Lender playbooks
More structured workflows.
Pilot Agentic Valuation on a real portfolio.
30-minute walkthrough on addresses you choose. We'll show you the comps, the planning overlay, the title trace and the reconciled value — with the reasoning attached.