Mortgage RailValuation agent

Agent

The valuation agent reads each valuer’s report and sends every issue to the right person.

For lenders: when the valuer’s report on a property arrives, the agent reads it, picks out each issue (a lower value, repairs, conditions) and sends it to whoever needs to act, the same day.

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Illustrative example.

The goal

Nobody has to read a long report to find the one line that matters. Issues in the valuation reach the right person the day it lands.

How it works

The valuation report is read and acted on the day it arrives.

Three steps, from the report arriving to each issue reaching the person who must act.

1Arrive

The valuer’s report arrives on the case.

From your usual valuer, as it does today.

Before: A long PDF waits in someone’s inbox.
Now: It lands on the case and is read straight away.

Shown live: the case documents

2Read

The agent reads the report and picks out each issue.

Value, retentions (sums held back for repairs), the valuer’s comments and any conditions.

Before: Someone reads every page to find one line.
Now: Every figure is pulled out and checked against the application.

Shown live: the report and the valuation details

3Route

Each issue goes to the person who must act on it.

Each person gets only what they need to act on. The buyer gets a plain-English summary.

Before: Issues found late and passed on by email.
Now: Each issue reaches the person who can act, the same day.

Shown live: case tasks and offer conditions

If the value changes, the product agent rechecks which mortgages still fit, and the affordability agent re-runs the numbers.

Keep what works

Already have a valuation process? Keep it. Mortgage Rail connects to it.

Mortgage Rail doesn’t ask you to replace what works. If you already have this part, we connect to it. If you don’t, you can use ours.

If you already have one

Keep your own valuers. The agent reads the reports they send.

  • Your valuers and whoever manages them stay as they are.
  • The agent reads the reports they already send.
  • Findings arrive as alerts in Mortgage Rail.
If you don’t have one yet

Use the agent to read every report and send out the issues.

  • Every report read the same way, every time.
  • A plain-English summary for the buyer.
  • Every finding kept on the case record.

What comes into the valuation agent, and what goes out.

Comes in

  • The valuation report from your panel or valuer

Valuation agent

  • Reads the value, retentions and comments
  • Works out who needs to act

Goes out

  • Alerts to the broker and underwriter
  • A summary in the customer portal
  • A recheck by the product and affordability agents

The parts

All six parts of Mortgage Rail.

Mortgage Rail connects the systems and databases across the property industry. Each part does one job. Already have one? Keep it. If not, use ours.

Three places where people work

For the lender · where Mortgage Rail startedUnderwriting systemWhere the lender decides. Cases arrive checked, and the underwriter works the exceptions. It runs on top of the lender’s existing systems and replaces none of them.For the brokerBroker portalThe broker submits a case the lender can accept first time, with every document checked on upload.For the buyerCustomer portalThe buyer sees the application, the facts about the home and who is doing what.

Three agents that do the checking

Affordability agentChecks the buyer can afford the loan, re‑running your own spreadsheet when the numbers change.
This pageValuation agentReads the valuer’s report on the property and sends each issue to whoever needs to act.
Product agentFinds the mortgages that fit and keeps the list right as facts arrive.

See the valuation agent working. Book a demo.

See it working on your own cases. Tell us a little about you and we’ll set up a demo.

  • A 30-minute walkthrough on a case like yours
  • The valuation agent, plus the parts of Mortgage Rail you need
  • A reply within one working day
Or pick a time in the calendar

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