Underwriting Automation for Credit Teams

Infrastructure for faster, safer specialist lending decisions

Bring case intake, desktop valuation, due diligence, policy checks and committee-ready outputs into one workflow built for UK specialist property lenders.

Designed for UK specialist property lenders
Live Analysis
Property Valuation
£725,000
123 Camden High Street, London
Confidence
94%
LTV
65%
Comps
12
Risk
Low
RISK CHECK
Passed
Title verification
Passed
Planning checks
Clear
Adverse Media Lookup
Running...

Trusted Infrastructure

RICS logo
RICS Regulated
Audit trail & evidence links
Human-in-the-loop approvals
Configurable checks & templates

The bottleneck isn't underwriting
It's manual data aggregation

Lenders lose days on every deal chasing fragmented information instead of assessing risk.

Friction Point 1

Deal info arrives fragmented across emails, PDFs and spreadsheets.

Friction Point 2

Valuation and due diligence tools are disconnected from decisioning.

Friction Point 3

Teams waste hours manually assembling data instead of assessing risk.

Current State: Chaos
Broker_Email.msg
Valuation_v3_Final.xls
Companies_House.pdf
Result: 4+ hours per case setup
The Solution

One workflow.Four steps.
From intake to decision

Step 01

Input

Bulk import portfolios or single case entry

Step 02

Analyse

Automated Valuation, Comparables & Risk Checks

Step 03

Review

Policy rules, human expertise & constraints

Step 04

Decision

Instant DIPs, Risk Reports, Audit Pack

Platform Features

Everything your credit team needs

Replace disconnected tools with a single, intelligent infrastructure.

Automated Desktop Valuations

Automated Desktop Valuations

Comparable driven valuations in minutes, not hours.

  • Confidence scoring
  • Transparency on methodology
  • Full audit trail
Portfolio Valuation & Monitoring

Portfolio Valuation & Monitoring

Import thousands of rows to track loan book risk changes instantly.

  • Bulk Excel import
  • Automated re-valuations
  • Change alerts
Due Diligence Engine

Due Diligence Engine

Unified checks with source attribution.

  • Companies House screening
  • Adverse Media checks
  • Auto-flagging of policy risks
  • Source-linked evidence trails
Decision In Principle Tool

Decision In Principle Tool

Generate instant DIPs with confidence.

  • Configurable lending criteria
  • Automated constraints
  • Full audit trail
Committee-ready outputs

Outputs designed for
Credit Committees.

Auditable, evidence-based reports that stand up to scrutiny. Generate committee-ready packs in seconds, not hours.

1

Instant Reports

Generate Valuation Certificates and Due Diligence Summaries in one click.

2

Full Audit Trail

Every figure links back to a verified source. Evidence is immutable and timestamped.

3

Standardised Formats

Clean, consistent presentation that credit committees trust and understand.

Deal #4092 - Camden High Street

Generated: Just now

Valuation_Certificate.pdf
2.4 MB • Ready for download
Risk_Report_Full.pdf
2.4 MB • Ready for download
Adverse_Media_Report.pdf
2.4 MB • Ready for download
Comparable_Evidence_Pack.pdf
2.4 MB • Ready for download
Audit_Log_Export.csv
2.4 MB • Ready for download
All checks passed
Policy Engine

Configurable
Control

Programmable Policy Rules

Encode your lending criteria as strict digital laws. Configure checks to automatically pass, flag, block, or escalate based on your precise risk appetite.

Human-in-the-Loop Overrides

The system strictly enforces policy, but you retain ultimate control. Override any automated block with mandatory reason codes.

Complete audit trails

Every automated check, AI decision, and manual intervention is permanently logged, providing a full chronological record for compliance auditing.

lending_policy_v3.yml
Active
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asset_criteria:
max_ltv: 0.75
Policy check active
permitted_asset_types:
- 'residential_investment'
- 'semi_commercial'
min_remaining_lease_yrs: 70
Refer if < 80
 
risk_flags:
block_if:
Decline rule
- 'non_standard_construction'
- 'environmental_flood_zone_3'
refer_if:
- 'title_defect'
 
exit_strategy.max_term_months: 18
Saving...
RICS logo

Security, governance and human oversight

Designed for lender workflows that require traceability, access control, source-linked evidence and human approval before outputs reach committee.

Information security aligned to ISO 27001
GDPR & UK data protection compliance
RICS regulated (Reg. No. 274238)
Full audit trail with evidence links
Role-based access control (RBAC)
UK data residency
What our clients say

Trusted by specialist lending teams

Company Logo

Landworth's valuations let us quickly evaluate potential borrowers price estimates and get detailed comparable data, helping us make smarter decisions and speeding up due diligence.

Andreas Yianni

Andreas Yianni

Commercial Director at PIVOT

Company Logo

Landworth is a game-changer for new development GDVs, with instant £/sqft prices and a powerful search engine.

Neil Morjaria

Neil Morjaria

Sales Director at Fruition Properties

Deployment

Typical pilot in weeks. Integrated at your pace.

Our pilot programme lets you validate the technology with minimal integration overhead. Most teams are live within a few weeks.

1
WEEK 1

DISCOVERY

Map credit policy & configure rule templates.

2
WEEK 2

PILOT

Live testing with your actual deal flow.

3
WEEK 3

ROLLOUT

Team onboarding & API system integration.

4
WEEK 4

GO LIVE

Production launch with dedicated support.

Ready to Evolve?

Accelerate YourLending Engine

Tell us about your deal types and volumes, and we'll show you what Landworth looks like for your specific workflows.