PropOS IQ · Independent statutory-risk case file

The statutory-risk case file.

PropOS IQ is an independent collateral-risk case file for lenders. It assesses statutory, environmental and location-specific risk at UPRN level — coalfield, flood, ground, contamination, planning — with the evidence and audit trail to defend it, sitting alongside your existing valuation or AVM.

Independent · UPRN-level · Deterministic & auditable · Built on 17+ statutory UK datasets · Geovation Accelerator 2026

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30M+
PPD Transactions
9.6%
Out-of-Time MdAPE
17+
Data Sources
41M+
OS UPRNs
14
Scoring Dimensions
4
Risk Models

What This Looks Like In Practice.

The same intelligence layer can support housing providers, specialist lenders and local authority teams by surfacing where multiple statutory and compliance pressures overlap.

Birmingham — Rental Compliance Risk Snapshot
Neighbourhoods Analysed
659
LSOAs with licensing signal
EPC Risk Exposure
High
F/G stock concentrated in PRS areas
Compliance Pressure
Elevated
Licensing + EPC + PRS overlap
INSIGHT:
Multiple Birmingham neighbourhoods show overlapping selective licensing, EPC risk and high private rented sector concentration — indicating areas where housing providers and councils may face increased compliance and remediation pressure.
Specialist Lender — Underwriting Scenario
Market Value (AVM)
£191.1K
Confidence MEDIUM · 90% £133K–£258K
Statutory Risk
Coalfield
Flagged · Coal Authority area, evidenced
Recommended Action
CON29M
Coal mining search before reliance
INSIGHT:
A standard AVM gives a price and ignores the coalfield. A search flags the coalfield and ignores the price. PropOS IQ identifies the coalfield against the Coal Authority dataset and attaches the evidence and a recommended underwriter action to the valuation. It flags the risk; it does not invent a discount the market doesn't show — so underwriting sees one defensible case file instead of two reports to reconcile.
Housing Association — Portfolio Scenario
Rental Compliance Score
50.9
Elevated risk in older PRS stock
Priority Drivers
EPC + Age
Licensing adds regulatory pressure
Use Case
Targeted
Retrofit and reporting prioritisation
INSIGHT:
By combining EPC exposure, pre-1919 stock, private rented concentration and licensing signals, housing teams can quickly see where compliance pressure is most concentrated and prioritise intervention more effectively.

A Value And A Search,
Left To Reconcile By Hand.

A valuation tells a lender what a property is worth. A search flags that it sits in a coalfield, a flood zone, or contaminated ground. The two arrive as separate documents, and an underwriter is left to reconcile them manually — slowly, and without a defensible record of how the risk affected the decision.

📄

Static Site Packs

Site packs cost £300+ per site, take days to produce, and go stale immediately. No way to run them at portfolio scale.

🗂️

Siloed Data

Flood, geology, planning, crime, schools — all in separate systems, each requiring a different login and specialist knowledge to interpret.

🧠

No Reasoning Layer

Raw data without interpretation. A lender still needs an analyst to say what the flood zone percentage means for a mortgage offer.

⏱️

Slow Decisions

Development appraisals and mortgage underwriting delayed by hours or days of desk research that should take seconds.

The Risk Beneath
The Valuation.

A valuation tells you the price; a search flags the hazard; your underwriters reconcile the two by hand. PropOS IQ produces a UPRN-level statutory-risk case file — coalfield, flood, ground and contamination risk as evidenced, severity-graded findings with a recommended underwriter action — designed to sit alongside your existing valuation or AVM, not replace it.

PropOS IQ — Landstrata Intelligence Engine
WS3 3PR — what statutory risk isn't in the valuation?
Market Value (AVM)
£191.1K
Confidence MEDIUM · 90% £133K–£258K
Statutory Risk
Coalfield
Flagged, not priced in
Recommended Action
CON29M
Coal mining search before reliance
Evidence
Coal Authority
Coalfield consultation area
STATUTORY-RISK CASE FILE:
WS3 3PR: market value (AVM) £191.1K, with a calibrated 90% range of £133K–£258K. PropOS identifies a coalfield consultation area, evidenced against the Coal Authority dataset, and recommends a CON29M search before reliance; shrink-swell and flood were screened and not flagged here. Statutory risk is assessed and flagged with full provenance — it is not priced into the value. PropOS reflects a risk in the value only where the market robustly evidences a discount.

We Add.
We Don't Replace.

PropOS IQ is built to sit alongside your existing stack — a second, independent lens on collateral risk, not a rip-and-replace. It answers "what risk might our current process miss?", not "are you more accurate than our AVM?".

Your AVM stays

We add an independent statutory-risk assessment alongside the value it produces.

Your valuation panel stays

We add an evidence-backed risk case file the underwriter can act on.

Your underwriting policy stays

We add a recommended action — refer, request a specialist report, or proceed.

Your data stack stays

We add a deterministic, auditable second-lens review with full provenance.

Built For The
People Who Decide.

Built first for the people who price property risk for a living — lenders' risk and valuation teams — and useful to the developers, housing providers and portfolio operators who wrestle with the same statutory data.

🏦

Mortgage Lenders

A statutory-risk assessment and evidence-backed case file on top of your existing valuation — coalfield, flood, ground and contamination assessed, severity-graded and auditable, not a separate search to reconcile.

  • Sits alongside your AVM — assessment, not replacement
  • Statutory risk assessed, severity-graded and evidenced
  • Deterministic, auditable, full provenance per finding
  • Recommended underwriter action per property
  • Coal mining / CON29M flagged automatically
🏗️

Property Developers

Surface PRIME investment opportunities before competitors. AVM valuation signals, HDT planning context and brownfield site intelligence — all from one query.

  • PRIME / STRONG / MODERATE opportunity grades
  • HDT planning context and local plan status
  • Article 4, conservation area constraints
  • Deprivation trajectory and regeneration signals
🏘️

Housing Associations

Understand Decent Homes compliance risk, Awaab's Law exposure and rental compliance at LSOA level. Plan retrofit programmes with data, not intuition.

  • EPC band distribution and F/G flag
  • Pre-1919 stock age and damp risk proxy
  • Rental compliance score 0–100
  • Deprivation, healthcare and schools access
🔑

Landlords & Agents

Assess rental compliance risk before you buy or let. EPC compliance, Renters Reform Act exposure, selective licensing and ASB risk — all in one query.

  • Rental compliance score A–E
  • EPC F/G flag — unlettable stock alert
  • Renters Reform & Awaab's Law exposure
  • Crime percentile and ASB rate

AI-Driven Property Risk Intelligence
Built on 17+ UK Data Sources.

Landstrata integrates and interprets statutory UK datasets to create an intelligence layer that is explainable, auditable and commercially usable. The moat is not access to data alone — it is the AI-driven decision layer that turns raw statutory data into action.

HMLR

Price Paid Data

30M+ transactions, 1995–present

BGS

GeoSure Geology

Shrink-swell, landslide, radon, mining

EA

NaFRA2 Flood Risk

Flood Zones 2 & 3, surface water

Natural England

Environmental

ALC, SSSI, AONB, ancient woodland

HMLR CCOD/OCOD

Ownership Data

4.4M corporate & overseas titles

Historic England

Heritage

Listed buildings, scheduled monuments

Coal Authority

Mining Risk

Coalfield consultation areas

Planning.data.gov.uk

Planning Context

HDT, local plan status, Article 4

ONS Census 2021

Demographics

Tenure, deprivation, employment

MHCLG

EPC Register

28.6M energy performance certificates

Ofcom 2025

Connectivity

Superfast, full fibre, 5G coverage

OS Open UPRN

Property Reference

41M+ unique property identifiers

From Query
To Decision.

Landstrata combines AI reasoning, data orchestration and UK property infrastructure to turn natural-language questions into grounded, decision-ready outputs.

1

Natural Language Query

User types in plain English — no training required. Postcode, region or intent.

No training required · Plain English
2

AI-Powered Understanding

Advanced AI interprets the commercial intent behind each query — from lender risk and investment potential to planning and compliance.

AI-powered · Context-aware · Zero training required
3

Intelligent Data Orchestration

The platform dynamically selects and combines the right datasets in real time — synthesising multiple signals into one commercial answer.

Multi-source · Adaptive · Real-time synthesis
4

PostGIS Retrieval

Spatial queries across 17+ statutory datasets. LSOA-level precision, sub-second response time across all of England.

Sub-second · LSOA precision · England-wide
5

Deterministic, Auditable Output

Every figure, score and risk finding is computed deterministically and traced to source. The language model only explains the result — it never invents or overrides a number.

Reproducible · Auditable · Every figure traced to source

See What Your Current
Process Might Miss.

Book 15 minutes with the founder. We'll run PropOS IQ live on a postcode you choose — or, for a credit-risk team, take a sample of completed loans in coalfield or flood areas and show you the statutory risk that wasn't evidenced in the original valuation. No slides, no prep.

Book 15 Minutes →

Pick a time that suits you · No prep required · Bring a postcode you'd actually run

Or email info@landstrata.co.uk