Mortgage readiness snapshot
with consent, not underwriting
A safe client-conversation aid built from Passport facts the homeowner chooses to share. Highlights EPC-related signals, Evidence Grade, blockers, and verification tasks.
Not a lending decision, lender approval, or formal advice. Eligibility depends on lender criteria and verified facts.
Property label
Client property A
Known EPC status
Indicative EPC D, sample record dated Feb 2021
Estimated EPC-related risk
Medium - requires verification
Health / Resilience Score
55-71
Confidence level
medium
Some values are estimated from public data and assumptions. Verify more facts to increase confidence.
Green mortgage conversation context
Potentially useful for client discussion where a lender asks about EPC status, evidence, or planned upgrades. Eligibility depends on lender criteria and verified facts.
- EPC record may be stale or incomplete for recent upgrades.
- Wall insulation status is unknown and materially affects confidence.
- Heating replacement advice needs heat-loss verification before formal use.
- Confirm loft insulation and top up where suitable.
- Review draught, glazing, and ventilation measures before major systems.
- Prepare a verified evidence pack before discussing green mortgage conversation context.
Verifying these top facts can improve your indicative Evidence Grade and sharpen your Action Plan — not a test you can fail (results may vary).
Roof / loft insulation depth
Current: Pitched roof, insulation assumed partial
Measure loft depth or check insulation certificate — EPC text is often approximate.
Recent annual energy use
Current: Not yet provided
Upload a recent bill or connect a smart meter export to calibrate demand.
EPC certificate age
Current: 5 years
Re-assess or confirm upgrades since lodgement — stale EPCs miss improvements.
Add verified facts in your Home Resilience Passport when ready — indicative grades may shift as you confirm facts (results may vary).
Demo workflow only. A real broker view should be read-only and based on explicit homeowner sharing choices.
- 1.Homeowner creates Passport
- 2.Homeowner reviews estimated vs verified facts
- 3.Homeowner chooses what to share
- 4.Broker receives read-only snapshot
- 5.Broker discusses blockers and next steps
Mock actions for the commercial workflow. They do not export or share live data.
This is not a lending decision.
Eligibility depends on lender criteria.
All estimates require verification before being used for formal advice.
Professional & partner collaboration
Export summary and architect planning are live where labelled. Share links, invitations, and practice workspaces remain pilot-only — use /partners to express interest. Always with homeowner consent.
Shareable Passport links are pilot-only and not connected yet. The goal is consent-scoped evidence subsets for trusted professionals — express interest via /partners.
Planned collaboration flow for assessors, retrofit coordinators, contractors, and partners. No invitation is sent in this view — pilot interest only.
Public sample Passport shows export-style layout. Owner-only versioned export is live after you claim a home — this portfolio view uses mock data.
View sample export demo →Design-stage energy briefs with north-star routing and consultant handoff packs. Live planning beta on /architect — not SAP, PHPP, or certification.
Open architect planning beta →A consent-first workspace for homeowners and professionals to review evidence, Action Plans, and review flags together. Pilot-only — not connected yet.
These flags come from mock Action Plan guardrails — they explain why review is recommended, not that a professional has already reviewed the home.
- Client property A — MCS installer and heat-loss calculation required for safe sizing.
Use today
- Frame green mortgage conversations with evidence quality context
- See EPC-related signals and blockers before formal advice
- Understand what the homeowner still needs to verify
- Preview consent-first read-only sharing workflow
- Discuss upgrade sequencing without implying lender approval
Not for
- Lending decision or underwriting approval
- Substitute for lender criteria or formal broker advice
- Guaranteed green mortgage eligibility
- Automated client data export in this demo
- PDF client summary generation (not connected yet)
- Replacement for compliance or regulatory sign-off