Data provider TwentyCi has launched EcoVal360, a property-level API solution designed to help mortgage lenders and financial institutions navigate the evolving landscape of ESG regulation and collateral risk.

It brings together three components of property intelligence that lenders have traditionally had to compile from disparate sources: specific property attributes, automated valuations, and comprehensive risk data.

Delivered via a single API call or the TwentyCi SaaS platform, the report provides a consistent, property-level view of:

• Valuation & confidence: Accurate sale and rental valuations from TwentyCi’s Decision AVM, which are updated weekly and include local area benchmarks and confidence bands (A-F/U);
• Physical climate risks: Current and future risk analysis for flooding, coastal erosion, ground stability, and heat stress, sourced from Twinn (formerly Ambiental);
• Energy performance: Detailed EPC data, including current efficiency ratings and specific steps to save energy with estimated costs and savings to help borrowers improve their property’s ESG footprint;
• Property history: Comprehensive sales and listing history (both sales and rental) derived from TwentyCi’s daily updated DOMUS dataset, which covers 32.6 million properties across the UK.

“EcoVal360 was built to ensure that mortgage lenders stay ahead of regulatory requirements by highlighting specifics about every property in their collateral book” says a TwentyCi spokesperson.

“In the current market, collateral risk is no longer a footnote; physical hazards and energy performance now sit in the same conversation as valuation.

“By pairing our market-leading AVM with property-specific hazard screening in one API, we are giving lenders the evidence-based tools they need for more consistent underwriting and robust portfolio monitoring.”

EcoVal360 is designed to plug directly into existing lending workflows. It replaces legacy spreadsheets with a live, property-level view that supports both new lending decisions and back-book reviews.

The launch comes as the mortgage industry faces increasing pressure to report on the climate resilience and energy efficiency of residential portfolios.

EcoVal360 provides data linked to the Unique Property Reference Number (UPRN) – the de facto standard for the property industry – ensuring what its creators call the highest possible level of address accuracy.