Monthly energy bill estimate in lending decisions.
Monthly energy bill estimate gives an estimate of the monthly cost to run the property, for affordability context - a property running cost, never borrower profiling, published modelled with 98.21% coverage across England. 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 monthly energy bill estimate modelled at 98.21% coverage across England, refreshed quarterly, with declared and modelled kept separate.
IF monthly_energy_cost > running_cost_threshold -> include in affordability contextThe sample record returns £131 a month; it belongs in the running-cost side of an affordability picture, alongside the value and the energy band.
Affordability context as a property running cost.
Green-lending product design.
Portfolio energy-cost concentration.
Modelled from the energy attributes and floor area. This is a property running cost - it is never used to profile a borrower.
Class: Modelled · Refresh: Quarterly · England: 98.21%
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.