Yorkshire BS enhances property decisioning with AVMs and EPC data

Yorkshire Building Society has partnered with Cotality to integrate with its Lender Hub platform to deliver automated valuation model (AVM) services alongside EPC and energy efficiency data for residential properties.

The partnership is part of Yorkshire Building Society’s digital transformation and sustainability strategy — enhancing its mortgage processes with real-time property valuations and deeper insight into energy performance.

The AVM service leverages advanced modelling techniques and market data to deliver fast, reliable property valuations, reducing time to offer and minimising the need for physical inspections. 

The inclusion of EPC ratings and granular energy performance indicators supports lenders’ assessment of property-level climate risk, preparing for potential regulatory shifts, and helping members understand and improve home efficiency.

The change will enable quicker, smarter lending decisions while helping the Society meet the evolving needs of its members and regulatory expectations around energy performance.

Simon Martin, director of credit risk at Yorkshire Building Society, said: “We are committed to making good homes possible for more people. By integrating Cotality’s Lender Hub for AVM and EPC data, we’re not only improving operational efficiency—we’re giving our teams the insight to make better decisions around affordability, property condition and long-term sustainability.”

Mark Blackwell, chief operating officer at Cotality, commented: “Yorkshire Building Society understands that the future of lending is both digital and data-driven. We’re proud to support their journey with technology that brings accuracy, speed, and sustainability insight together—enabling more informed, more efficient and more effective lending.”