For mortgage lenders
A valuation your auditor accepts, back before the borrower leaves the desk.
Valuation, EPC and flood risk from one address, in one file, signed by a registered valuer. For the loans you write today and the book you already hold.
Signed by a registered valuerBelgium & Luxembourg
98% of desktop valuations delivered within one working day, guaranteed by SLA · 25,000+ valuations a year for lenders in Belgium and Luxembourg · median error under 5% against the actual sale price
The infrastructure mortgage lenders in Belgium build on.
Trusted by mortgage lenders and credit institutions across Belgium.
How it works
One address in. One defensible file out.
No vendor chain, no integration project. You send an address; we return everything the credit decision and the audit file need, together.
Four inputs from you
Address, asset type, EPC score and construction year. We match more than 20 building details to the address ourselves — nobody fills in a 20-field form.
Four fields, not twenty
One file back
Market, forced-sale, rental and reconstruction values, plus EPC label and flood risk. One report, one format, one audit trail — as a PDF and as structured JSON.
Valuation · EPC · flood risk
Into the system you already use
Integration is an API call, not a project. Pre-filled data, payment and booking are handled inside the flow your team already works in.
An API call, not a project
Who has to say yes
Three teams have to agree before this goes live.
Originations wants an answer while the client is still at the desk. The broker channel wants to stop losing deals to the wait. Model risk wants a file it can defend. Here is the case for each, in that order.
Loan origination
Value property for new mortgages, at the point of sale.
The borrower gets an answer in the same session — nobody is sent to the property.
4
fields in
4
values out
1
API call into your loan system
Signed
by a registered valuer
Time to a usable value
Same file, same address
Your process today
10+ days
20-field form · manual checks · chase the valuer
With Rock.estate
1 day
4 fields · desktop valuation · signed report
15%
of files still need a visit — certified expert on site within 3 days, report 48 hours later.
Rue Haute 14, 1000Stable
Av. Louise 220, 1050Watch
Parklaan 9, 2000Flagged
Portfolio LTV drift
Updated quarterly
Existing loans & portfolio
Keep the value of the loans you already hold up to date.
Revalue on a schedule, and catch the risk that moves between valuations.
Yearly
revaluation, indexation, post-renovation updates
EPC + flood
on the same file
LTV drift
flagged early
Desktop or on-site
by your policy
Broker channel
Your brokers close faster when the valuation does.
Brokers advise in one session. If the valuation takes days, the client keeps shopping. A one-day answer keeps the deal with you.
98%
in one working day
desktop valuations — guaranteed by SLA, not a historical average
4
inputs from the broker
address, asset type, EPC, year
20+
details added by us
matched from the address alone
Risk & compliance
Everything your risk team needs to sign this off.
Since July 2021, EBA guidelines ask for an independent, documented valuation on every mortgage you originate — and most lenders still do that for only part of their book. Here is which methods pass, and what we hand your model-risk team.
Does not meet EBA
Transaction price
The do-nothing option. No independent view of the property.
Automated model
Instant, but no expert signs it. Usually does not pass an audit.
Meets EBA · we run these two
Desktop, by an expert
Data and model, reviewed by a registered valuer. One working day.
On-site visit
When the property, the data or your policy asks for more. 50+ certified experts, 100% territorial coverage — visit within 3 business days.
Due diligence on us
The file your model-risk team asks for.
Originations decide they want this. Model risk, audit and compliance decide whether they get it.
Will our regulator accept the method?
The methodology is documented against CRR and EBA guidelines, and written to be handed straight to your regulator. So far, not a single credit institution we work with has had an issue when their valuation process was reviewed.
CRR & EBA-aligned methodology
How do you know the model still holds?
Every valuation performed on the platform goes into a monthly back-test. Valuers get individual feedback on their own files, with particular focus on outliers, so accuracy improves instead of drifting.
Monthly back-testing
Has anyone independent checked you?
Yes. Rock.estate is audited every year by major European banking clients across IT security, model risk governance and compliance frameworks.
Annual client bank audits
Not a lender?
See the workflow for property insurers →For lenders, insurers and financial institutions
Bring ten real files to the call.
We'll run them through the workflow live — and show you which files come back desktop and which we'd route on-site, before you commit to anything.
For lender, insurer and financial-institution teams
Discuss desktop, on-site and portfolio valuation workflows
Full name
Jane Janssens
Work email
you@bank.be
We'll only use your details to arrange the meeting.
Already a customer? Use the contact form →