Don’t trust our numbers. Test yours.
Upload a CSV of your own historic sales. See how we perform against data you already know the answer to. Free, no commitment.
Per-property confidence scoring. Published PE10 and backtest metrics. API-first delivery for cascade integration. Designed for your model risk team to evaluate, not your sales team to pitch.
How lenders use Gadsden Valuations
Origination screening
Pre-screen mortgage applications with instant AVM checks before instructing a full survey. Identify cases where the requested loan-to-value may be outside acceptable parameters.
Portfolio monitoring
Revalue your mortgage book periodically using batch CSV uploads or our API. Track portfolio LTV drift, identify emerging risks, and support Basel 3.1 preparation.
Retrospective revaluation
Revalue individual properties at scale for arrears management, forbearance decisions, and loss mitigation. Each valuation includes a confidence tier to support risk-proportionate decision-making.
What your model risk team needs to know
Accuracy metrics
Walk-forward backtested against ~295,000 held-out Land Registry transactions. We publish PE5, PE10, PE15, PE20, MdAPE, and FSD on the EAA 0–7 scale. Segmented by property type, price band, and region. Updated with every model release. All metrics on the accuracy page.
Per-property confidence scoring
Each property is assigned an individual Forecast Standard Deviation (FSD) based on comparable evidence, feature completeness, and model prediction uncertainty. The three confidence tiers (Tier 1 high, Tier 2 medium, Tier 3 low, plus decline) are a human-readable summary of the underlying granular FSD (217 cells). Your lending policy can map tiers to risk decisions — AVM-only for Tier 1, desktop review for Tier 2, physical inspection for Tier 3.
Cascade and waterfall compatibility
Designed to operate as a node in a multi-provider valuation cascade. Instant API response, structured confidence output, and clear decline signals let you route properties through AVM → desktop → physical inspection based on confidence tier and LTV.
API-first delivery
RESTful API with JSON response. Single-property and batch endpoints. Typical response time under 2 seconds. Organisation accounts with shared valuation pools for team access. API documentation.
Regulatory alignment
PRA SS1/23
Published methodology, accuracy metrics, confidence indicators, and per-valuation audit trail. Designed to support your SS1/23 vendor assessment process.
Basel 3.1
Scalable portfolio revaluation via batch CSV or API. Each valuation individually confidence-scored for risk-proportionate capital treatment.
Ratings agency methodology
PE10 and FSD metrics aligned with Fitch/Moody’s vendor review criteria. Methodology consistent with IVS 105 and EAA ESSVM 3rd Edition.
Backtest your own data
We publish our metrics to get attention. But you don’t need to take our word for it. Upload up to 250 recent completions — address, sale date, and sale price. We’ll value each property as of the sale date. You compare against the price you already know.
Why this test is structurally blind
You submit recent completions
Transactions from the last 6 months. Address, sale date, and the price you know.
We can’t have trained on them
Land Registry data takes months to publish. Our model trains on Land Registry data. Recent completions can’t be in our training set. Full stop.
We value as of the sale date
Each property is valued as of the date it sold — a like-for-like comparison. PE5, PE10, PE15, PE20, MdAPE, segmented by property type, region, and price band.
The comparison report
We don’t just return raw valuations — we return the analysis. Your portfolio accuracy: PE10, MdAPE, breakdown by property type, region, and price band. The document your underwriter takes to their risk committee. We generate it for you.
Zero risk
Free backtesting. No credit card required. 250 properties is enough for statistically robust metrics segmented by type and region. If we perform, you know it from your own data. If we don’t, you’ve lost nothing.
Already using an AVM?
Run Gadsden as an independent cross-check alongside your existing provider. At 20p per valuation, it’s cheap insurance against over- or under-valuations slipping through unchallenged.
When both AVMs agree
You have more confidence in the valuation. Two independent models reaching the same conclusion is stronger evidence than either one alone.
When they disagree
You’ve flagged a property worth a second look — before it becomes a problem. Divergence between two independent models is valuable information, not a nuisance.
No friction
No integration required — CSV upload or API. No contract, no minimum commitment, no procurement cycle. Your risk team can justify 20p per valuation as a validation layer without committee approval.
The cost of not checking is higher than the cost of checking.
Pricing
CSV upload or API. Organisation accounts with shared valuation pools for team access. View full pricing.
Use cases by risk tier
AVM-only (low LTV, standard residential)
When the loan is well-cushioned and the property is standard, the accuracy is more than sufficient. Instant, at a fraction of the cost of a physical inspection.
AVM + surveyor (medium risk)
Two independent data points for the cost of one traditional valuation plus pennies. Agreement between AVM and surveyor means high confidence. Divergence is the signal to investigate.
Portfolio monitoring
Ongoing LTV monitoring across a mortgage book. Bulk valuations via CSV or API. Basel 3.1 portfolio revaluation at scale.
Ready to test us?
Create a free account and upload your own data. No sales calls, no demos, no commitment. The results speak for themselves.