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Location Checks on the Security Behind a Loan

Look at the security behind a loan: what is on and around the site, who lives nearby, what homes sell for and how exposed it is to flooding, for one property or up to 200 at a time.

Information only. This is not insurance, lending, financial, legal or surveying advice.
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Portfolio screening of the five-address sample list: how many addresses are flagged for flooding, reservoirs and crime, and each address on a map coloured by its highest flood likelihood.

The Questions It Answers

  1. What Do Homes Sell For Around Here?

    HM Land Registry sales at the postcode over the last 24 months in the risk check, and the median for the postcode sector in portfolio screening. The area profile gives standard sales and medians by property type for a whole neighbourhood, compared with the council.

  2. Is the Security Exposed to Flooding?

    The flood zone, the likelihood of flooding from rivers, the sea and surface water, and the reservoir flood extents at each address, from the Environment Agency, with a screening band for each.

  3. What Is the Neighbourhood Like?

    Deprivation deciles from the English Indices of Deprivation 2025 and recorded crime from police.uk for every address; in the area profile, Census 2021 tenure and age compared with the council and England.

What You Can Do

How It Works

  1. 1.Upload the Addresses

    A CSV of up to 200 rows in portfolio screening, each with a postcode or coordinates. A sample file is there to try.

  2. 2.Screen, Sort and Download

    Each address gets its flood likelihood and zone, reservoir extent, crime, deprivation decile, postcode sector sales and median price, and nearest station. Sort the table, keep only the flagged addresses and download the CSV.

  3. 3.Ask for the Full Picture

    For a large loan or a development site, request a site report with the area profile, planning constraints and flood and terrain checks. A person reviews every report before it is sent.

The Five-Address Sample File

The sample file holds five addresses in Nottingham, York, London and Bristol. In an example screening on 9 November 2026 all five were located: two had a medium or high flood likelihood from rivers, the sea or surface water (both in flood zone 3, and one of them medium or high for surface water), one was inside a reservoir flood extent, and four were in neighbourhoods in the two highest crime deciles for England.

Try it with the sample file

The Data Behind It

Every dataset and its credit line is on data sources and licences.

What It Can't Tell You

  • Not a valuation and not a credit assessment: sale prices are what sold nearby, not what this property is worth.
  • Postcode sector medians mix every type of home sold in the sector; they are not comparables for one property.
  • Titles, charges, tenure and building condition are not checked.
  • Household income is a council-wide average, not the income of the street or the borrower.
  • Portfolio screening gives no ground heights and counts crime over the latest 3 months only.
  • England only for deprivation, flood and designations; the Census, house sales and recorded crime also cover Wales.

The tools are in preview: built and tested, not yet signed off as validated. They screen a place from public data and don't replace a survey or professional advice.

Questions

Something else? Ask us.

Is this a valuation?

No. Sale prices are what sold nearby, as registered with HM Land Registry, not what a property is worth. No adjustment is made for size, condition or features.

Can I screen a loan book?

Yes, up to 200 addresses per upload; split a larger book into parts. Each row comes back with its flood, reservoir, crime, deprivation and sales figures, and the whole table downloads as a CSV.

Why are some sales left out of the medians?

Medians use standard sales only. Company purchases, buy-to-let purchases with a mortgage, repossessions and other non-standard sales are counted separately, because they can pull a median away from the open market.

Are titles, charges or tenure checked?

No. Titles, charges, tenure and building condition are not checked, and nothing here replaces a valuation, a survey or legal due diligence. It is information only, not lending or financial advice.

Can you check a commercial or development site?

Yes, on request. The area profile, planning constraints, flood and terrain and, for a shop, the store catchment report run on the Bozmaps engine. Request a site report and a person reviews the report before it is sent.

Read Next

Tools

Want These Checks Run for Your Sites?

Send us the addresses or the site outlines. We run the full checks on the Bozmaps engine, and a person reviews every report before it reaches you.

Request a Site ReportExplore the tools