InvestorIQ
AI-powered buy-to-let analysis and mortgage underwriting
Combines instant AI property-investment analysis for investors with fully automated buy-to-let mortgage underwriting for lenders — cutting roughly 80% of manual underwriting work.
Property analysis
Hot42 Brunswick St, Manchester M1
BTL underwriting
APPROVEDLTV
72%
ICR
1.41x
Stress test
Pass
Risk band
Green
5,000+
properties analyzed
80%
less manual underwriting
BTL underwriting is slow and manual, and property investors have to piece together yield, risk, and market analysis from scattered sources with no decision support.
BTL mortgage lenders, banks, and NBFCs seeking faster, cheaper decisions — plus individual property investors and owners analyzing and listing buy-to-let opportunities.
The full picture
UK buy-to-let has a dual bottleneck: investors lack reliable yield and risk analysis, and lenders process mortgages through dozens of manual steps. InvestorIQ unifies both sides. Investors get instant valuations, yield and cash-flow forecasts, tenant risk scores, location intelligence, and comparables, with a conversational agent that pre-screens borrowers in real time. Lenders get an automated underwriting desk that handles KYC, LTV and ICR calculation, stress testing, risk banding, and conditions generation at scale — every case with a full audit trail. It integrates document processing, credit data, rental comparables, and property APIs, and even supports fractional ownership through property tokenization.
From input to audit trail.
Search
Browse properties; AI scores yield, risk, and demand instantly for each.
Analyze
Comparables, location intel, and stress scenarios with a buy / no-buy recommendation.
Pre-screen
A conversational agent guides borrowers to an indicative BTL deal and conditions.
Underwrite
Cases flow through KYC, stress tests, and risk bands with a full audit trail.
What it does.
Yield & Valuation
Instant rental yield, capital-growth forecasts, and monthly cash-flow with confidence scoring.
Tenant Risk
Automated credit and employment checks with a 0–100 risk score and recommendation.
Market Intelligence
Postcode-level trends, demand indices, and comparable rental data in real time.
BTL Underwriting
One-click LTV, ICR, stress testing, risk banding, and conditions generation at scale.
Location & Comparables
Transport, schools, crime, and benchmarked comparable properties for every deal.
Tokenization
Fractional property ownership via token issuance for owners raising capital and investors.
See InvestorIQ in action
Built for btl mortgage lenders. Book a walkthrough with our team.