For mortgage lenders

Signed property valuations in one business day.

Send five fields from your loan system. A registered valuer signs the value and returns it within one business day.

Signed by a registered valuerBelgium & Luxembourg
98%
of valuations delivered within one business day
25,000+
valuations a year for lenders in Belgium
±5.2%
Half of our values are within 5.2% of the transaction price

The infrastructure mortgage lenders in Belgium build on.

Trusted by mortgage lenders and credit institutions across Belgium.

ArgentaKeytrade BankINGCredimoRecord CreditsBeobank
How it works

Five fields in. One signed report out.

You send five fields. We return everything the credit decision and the audit file need, together.
Address
Vuurkruisenlaan 7, 8310
Type
House
Living Area
207 m²
EPC score
200 kWh/m²yr
Construction year
1999

Inputs from you

Address, asset type, EPC score, living area and construction year. We match more than 20 building details to the address ourselves.
Market value
€ 685,000
EPC B · No flood risk

One report back

Market, forced-sale, rental and reconstruction values, plus EPC label and flood risk. One report with audit trail. Both PDF and structured JSON files.
Your loan system
Borrower details
✓ Done
Income and credit check
✓ Done
Property valuation
✓ Attached
In progress
Loan offer
Next
Signing
Pending

One step in your credit process, done

The report lands in the loan file your team already works in, next to your own checks. Borrower payment and on-site booking run in the same flow when needed.
Who has to say yes

Three teams wait on the same valuation.

Originations

Your team keys the same property data into several systems before anyone sees a value.

How we fix it ↓
Mortgage advisors

Advisors meet the client once. If the value takes days, the client keeps shopping.

How we fix it ↓
Model risk

Every value in the book has to stand up to review, and many are out of date.

How we fix it ↓
One valuation, three answers

What changes for each team

The same signed valuation serves the credit decision, the advisor and the audit file.

01 · Originations

Five fields in. A signed value out.

No re-keying across systems. Send address, type, living area, EPC and construction year. We match 20+ building details and a registered valuer signs the value within one business day.

20+
building details matched from the address, so your team doesn't key them in
Request a live walkthrough →
02 · Mortgage advisors

Your advisors keep the client while the value comes back.

Advisors enter five fields during the meeting. A signed value comes back the next business day, so they can confirm the offer before the client looks elsewhere.

98%
of valuations delivered within one business day
Talk to us about your advisor network →
Time to a value
Day 1
Day 2
Day 3
Day 4
Day 5
On-site visit
Up to 5 business days
Rock.estate
Next day
1 in 6 files still needs a visit. A certified expert is on site within 3 days, report 48 hours later.
03 · Model risk

Every value in the book, traceable and compliant.

Each value is signed by a registered valuer and documented against CRR and EBA guidelines. The transaction price is never an input, so the value stays independent of the deal. Send your loan list and we revalue the book the same way.

Signed by
A registered valuer
Compliance
Fully compliant with CRR and EBA GL/2020/06To confirm
Independence
Transaction price, loan amount and client estimate never used as inputs
Delivered as
PDF and structured JSON
Request a portfolio test →

See an independent valuation on one of your own files.

A 30-minute call. Bring an address, we run it live.

Book a 30-min demo →
Risk & compliance

Not every valuation holds up in a review.

A transaction price or an automated model is fast, but neither meets EBA guidelines on its own.
Desktop and on-site valuations do, and those are the only two we run.

Transaction price
The do-nothing option
Automated model
Instant, no expert
We run this
Desktop valuation
Data and model, performed by a valuer
We run this
On-site visit
When policy or property asks for it
Independent of the deal
Nobody with a stake sets the value
✕
✓
✓
✓
Signed by a registered valuer
A named expert takes responsibility
✕
✕
✓
✓
Documented, ready for audit
Method and data on file
✕
✕
✓
✓
Price, loan and estimate kept out
The value comes from the property
✕
Depends on the model
✓
✓
Time to a value
Instant
Instant
1 business day
Visit in 3 days, report 2 days later
Requirements met
0of 4
Doesn’t meet EBA
1of 4
Doesn’t meet EBA
4of 4
✓ Meets EBA
4of 4
✓ Meets EBA
We run this
Desktop, by an expert
Data and model, checked by a valuer
✓ Meets EBA
4 of 4
requirements met
✓
Independent of the deal
✓
Signed by a registered valuer
✓
Documented, ready for audit
✓
Price, loan and estimate kept out
1 business day
We run this
On-site visit
When policy or property asks for it
✓ Meets EBA
4 of 4
requirements met
✓
Independent of the deal
✓
Signed by a registered valuer
✓
Documented, ready for audit
✓
Price, loan and estimate kept out
Visit in 3 days, report 2 days later
Automated model
Instant, no expert
Doesn’t meet EBA
1 of 4
requirements met
✓
Independent of the deal
✕
Signed by a registered valuer
✕
Documented, ready for audit
✕
Price, loan and estimate kept out (depends on the model)
Instant
Transaction price
The do-nothing option
Doesn’t meet EBA
0 of 4
requirements met
✕
Independent of the deal
✕
Signed by a registered valuer
✕
Documented, ready for audit
✕
Price, loan and estimate kept out
Instant
Due diligence on us

Questions your risk team will ask.

Originations decide they want this. Model risk, audit and compliance decide whether they get it.
Will our regulator accept the method?
Does the valuer see the transaction price?
Who signs the valuation?
How do you know the model still holds?
Has anyone independent checked you?
What happens when a desktop valuation isn't enough?
What do we need to send?
How does it reach our systems?
Request the methodology note and back-testing results →
For lenders, insurers and financial institutions

See your our solution in action before you commit.

In 30 minutes we walk you through a few sample addresses, then run one of yours live. Bring any property you want to test.

For lender, insurer and financial-institution teams
Valuations, building data, flood risk and portfolio checks
We'll only use your details to arrange the demo.
Already a customer? Use the contact form →