Mortgage lender · underwriting + portfolio risk

EPC + MEES verdict for lender collateral assessment

The problem

Post-MEES, a property's EPC band is no longer a soft data point. The 2030 minimum-C rule for rented properties means a band-D collateral that's let could become unrentable mid-mortgage, and the £30k / £150k MEES penalty exposure runs straight to the borrower. Lenders pulling EPCs ad-hoc miss the in-life shifts.

How Stratum fits

The EPC endpoint returns the property's most recent EPC (rating, score, valid-until date) plus a `meesVerdict` field that pre-computes the compliance position against the in-force + announced rules. For a portfolio, the bulk endpoint (`/v1/epc/postcode/{postcode}/all`) returns every certificate against a postcode in one call. Pair with postcode-intelligence for the property-level context. Live MHCLG data; sub-200ms p95.

One request

# Request
curl https://api.stratumapis.com/v1/epc/lmk/123456789 -H "x-stratum-key: $KEY"

# Response
{ "rating": "D", "score": 64, "issuedOn": "2022-04-12", "meesVerdict": {"status": "meets-minimum-until-2030", "actionRequired": "improve to C by 2030-04-01", "penaltyRange": "£30,000-£150,000"} }

Set $KEY from your dashboard.

Frequently asked

What does meesVerdict cover?

Both in-force rules (minimum E since 2018-04-01 for new tenancies, 2020-04-01 for all) and the announced 2030 minimum-C rule. The verdict surfaces a clear action with a concrete deadline + the relevant penalty band.

Can I run this on a whole portfolio?

Yes. `POST /v1/epc/bulk` accepts up to 100 LMKs per call; the postcode endpoint returns all EPCs for a postcode in one call. Volume bands kick in at 100 / 1000.

How fresh is the EPC data?

Live MHCLG. EPCs themselves expire 10 years from issue; the response surfaces `validUntil` so you can flag near-expiry on portfolio reviews.