Current energy rating (declared and predicted) in lending decisions.
Current energy rating (declared and predicted) gives the current EPC rating, declared from the register where present and modelled where absent, published modelled with 97.46% coverage across England and 57.46% across Northern Ireland. Where modelled, it remains separate from declared evidence so you can validate it against your own reference records. Attribution and refresh period are in the dictionary.
Pretira publishes current energy rating (declared and predicted) modelled at 97.46% coverage across England, 57.46% across Northern Ireland, refreshed quarterly, with declared and modelled kept separate.
IF current_energy_rating_declared_and_predicted < "C" -> route to retrofit productThe sample record returns a current D; on a green proposition that band is the trigger for a retrofit conversation, with the potential rating showing the headroom.
Green-lending product routing and disclosure work.
Portfolio concentration by energy band.
Affordability context via running costs, never borrower profiling.
Declared from the EPC register where a certificate exists; modelled and flagged where absent. Refresh is quarterly, rendered from the dictionary.
Class: Modelled · Refresh: Quarterly · England: 97.46% · N. Ireland: 57.46%
Three questions on this field.
Core tier. Routing rules on this page are illustrative patterns; coverage figures render from the dictionary. Dictionary: July 2026.
Review this field before you deploy it.
Start with a synthetic record or a controlled standard sample. We will show the field provenance, coverage and testing, then scope the production route.