AI underwriting
for specialist lenders.
Every source. Every contradiction. One verdict.
WALT is the AI underwriting engine that cross-references credit bureau data, multiple AVMs and Land Registry liquidity analysis, then applies three independent AI models to assess both the borrower and the property. The result is a fully reasoned, fully audited property decision in minutes. Lower cost, greater accuracy and serious speed, built and tested on live cases in the UK property market.
Integrated with SmartSearch, Equifax, TransUnion, CreditSafe, Rightmove, Realyse, PropertyData, HM Land Registry, Companies House, OpenCorporates, World-Check, APLYiD, Veriphy, Fraudfinder, Chimnie, Plaud and Fireflies.
Watch a case file
underwrite itself.
Scroll through the five stages of a WALT run. The case file fills in as the engine works — exactly as it does in production.
Verify who you're lending to
Biometric eIDV, sanctions and PEP screening run the moment a case opens. SmartSearch, APLYiD, Veriphy and World‑Check return in seconds — with personally identifying data pseudonymised before any model ever sees it.
Three credit agencies, one profile
Equifax, TransUnion and CreditSafe are pulled in parallel, averaged, and checked against each other. Where they disagree — a missed CCJ, a stale default — the inconsistency is flagged rather than silently inherited.
What the asset is actually worth
Three-plus AVM models are cross-referenced into a consensus valuation, replacing the single-data-point LTV that bridging decisions usually hang on.
How fast it would sell
Land Registry transaction history and market depth are scanned to estimate sale velocity — the exit-risk dimension nearly every lender skips because no tool measured it. Until now.
Three AIs argue. You decide.
Three independent AI models each produce a risk assessment, sealed from one another. WALT synthesises the three, flags every contradiction between sources, and delivers one verdict — the auditable 8-page report a human signs off on. Any check that could not run says why, in plain English.
Built like the systems it sits beside.
Not a prototype.
A working desk.
WALT is already underwriting live applications for many lending clients, every working day.
A lender that takes five days to return terms on a deal a competitor underwrites in two has already lost.
The market got harder.
Underwriting didn't get faster.
Fewer deals, tighter margins and a regulator watching every AML check, while the evidence behind each decision still disagrees with itself.
Squeezed margins
Funding costs and pricing pressure squeeze every deal. Each hour an underwriter spends re-keying data comes straight off the margin.
Fewer deals to go round
With volumes down, brokers send each case to whoever returns terms first. Three to seven days per deal loses it.
Annex 1 under FCA scrutiny
The FCA is tightening AML supervision of Annex 1 firms, non-regulated lenders included. Every KYC, sanctions and PEP check needs a trail you can produce.
Credit data that disagrees
Experian, Equifax and TransUnion score differently. Good borrowers get declined and risky ones slip through.
Valuations that don't agree
AVMs and surveyors return different values for the same property, yet the LTV hangs on a single number.
Costs that scale with volume
Separate contracts for bureaus, AVMs, AML and registry searches, so cost rises with every deal you take on.
A tribunal of AIs.
Sealed from each other.
Three independent AI models, orchestrated in-house, judge every case blind. Who sits on the bench stays with us — and changes as better models arrive.
The Analyst
- Primary risk analysis
- Credit assessment
- Exit strategy evaluation
The Examiner
- Independent cross-validation
- Regulatory compliance review
- Counterparty analysis
The Assessor
- Market data synthesis
- Valuation review
- Anomaly detection
WALT synthesises the three, surfaces every contradiction and hands one verdict to your underwriter. Not AI replacing underwriters — AI giving them better information, faster, on pseudonymised data.
Three modules.
Start with one, scale to all.
Credit & Identity
- Credit bureau checks — Equifax, TransUnion & CreditSafe
- Identity verification & biometric eIDV
- PEP & sanctions screening
- Affordability & document analysis (Fraudfinder)
- Companies House, UBO & director checks
Property Profile
- Multi-AVM consensus valuation (3+ models)
- Land Registry title, charges & ownership
- Asset liquidity & exit-risk analysis
- EPC & market-depth data
- New Build Residential assets, with floor area
Underwriting Suite
- Everything in Credit & Identity + Property Profile
- Cross-validated risk analysis by the AI tribunal
- 8-page audit-ready decision report
- Configurable risk rules per desk
Built to complement your CRM. WALT adds underwriting capabilities to the systems your desk already runs, and makes them more powerful. Open cases from your own CRM through the WALT Connect partner API, or start one from a Plaud or Fireflies call — the prefill uses fixed rules, and no AI model reads the transcript.
Six contracts, or one platform.
Three credit contracts
Experian, Equifax and TransUnion, each scoring differently.
An AVM licence per platform
And the LTV still hangs on a single number.
Bolt-on AML/KYC software
Another compliance platform, fee and login.
Land Registry per-search fees
Title checks across several portals, paid search by search.
Days of re-keying
6+ systems per application, three to seven days per deal.
Cost that scales with headcount
£35k–55k per underwriter, plus NI, pension and overhead.
Three bureaus, one profile
Equifax, TransUnion and CreditSafe, reconciled and flagged.
Consensus valuation
Three-plus AVMs cross-referenced into one weighted value.
AML/KYC built in
Biometric eIDV, sanctions and PEP, with an audit trail.
Title and liquidity as standard
Land Registry title, charges and sale velocity on every case.
Under 2 minutes
One login, one run, a fully reasoned 8-page report.
Capacity that scales with volume
WALT gathers the evidence; your underwriters sign off.
Book a demo on your own cases.
Tell us which modules you're interested in and we'll run a live decision on a real case from your desk — then suggest a monthly token allowance that fits your volume.
Built by people who
underwrite for a living.
A specialist lending team in Mayfair, London, behind the underwriting engine many lenders already rely on.
Anthony founded Underwriting UK after two decades in specialist property lending. As a practising bridging lender he has originated, underwritten and managed short term secured loans across residential, commercial and development assets, giving WALT its foundation in real world credit decisions rather than theory.
With extensive experience in AI and enterprise technology, Elias has led Agentic AI strategy for global organisations including Carrefour, and founded several deep tech ventures. At Underwriting UK, he leads the company's technical strategy and engineering team while building WALT, combining enterprise-grade AI with practical software engineering to deliver trusted, real-world underwriting technology.
Michael joined Underwriting UK having successfully established substantial market share in the specialist lending industry with his two previous companies. He has a deep knowledge & network within the sector, & takes great pride in understanding how different lenders operate. He is relentless in his drive to provide system outcomes that elevate operational efficiency.
Outside of work he is a Father of three girls, self-confessed Tolkien legendarium nerd, LFC season ticket holder & music fanatic!
AI Developer & Full-Stack Engineer driving the AI strategy, architecture, and intelligent systems for WALT at Underwriting UK. A published researcher in IEEE and Interspeech with deep expertise in machine learning, she builds agentic AI workflows, LLM-powered credit intelligence, and cloud-based full-stack platforms to deliver audit-ready, real-time automated financial technology.
The people who built it use it every day. WALT is shaped by real cases on a real lending desk — not a roadmap drawn in a vacuum.
AI underwriting,
answered plainly.
Q—01What is AI underwriting software?
AI underwriting software automates the evidence-gathering and risk analysis behind a lending decision — pulling credit bureau data, property valuations, identity and AML checks and title data, then using AI models to assess risk. WALT goes further: it reconciles sources that disagree with each other and produces an auditable recommendation a human underwriter signs off on.
Q—02How fast can WALT underwrite a bridging loan?
Under 2 minutes per decision. WALT draws on 20+ live integrations and runs the checks a case needs in parallel — identity and sanctions screening, three credit bureaus, three-plus valuation models, Land Registry and Companies House — then returns a fully reasoned 8-page report.
Q—03Does AI underwriting replace human underwriters?
No. A tribunal of three independent AI models each writes an assessment without seeing the others, disagreements are surfaced, and a consolidated view goes to the human decision-maker. It is decision support: better information, faster, with the lender keeping full control and accountability.
Q—04Are WALT's lending decisions auditable and compliant?
Yes. Every decision produces an 8-page report recording the evidence, each model's reasoning and every flagged inconsistency, and any check that did not run says why in plain English. Personal data is pseudonymised before any AI model sees it, client data is segregated by account on Azure, and the platform is designed to align with ISO 27001 and SOC 2, with certification in progress.
Q—05What is a multi-AVM consensus valuation?
An automated valuation model (AVM) estimates a property's value from market data — and different AVMs frequently disagree. WALT cross-references three-plus AVM models into a consensus valuation, so loan-to-value is calculated from the weight of evidence rather than a single data point.
Q—06Which data sources does WALT integrate?
20+ live integrations, including Equifax, TransUnion and CreditSafe for credit; Rightmove, PropertyData, Realyse and Chimnie for property data and valuations; HM Land Registry for title and liquidity; Planning Data and OpenStreetMap for planning and location; Companies House and OpenCorporates for corporate structure; SmartSearch, APLYiD, Veriphy and World‑Check for identity, AML and sanctions; Fraudfinder for affordability and document analysis; and Plaud and Fireflies for call notes.
Q—07Who is WALT built for?
Bridging lenders, development and specialist property lenders, and private credit desks that need fast, defensible decisions. It is already used every day by many lending clients, underwriting live cases.
Q—08Can I start with a single module?
Yes. Credit & Identity, Property Profile and the Underwriting Suite (the full combined assessment) are each sold separately, and each comes with a monthly token allowance. One token covers the first individual, company and property on a case; each additional subject adds one token, and a multi-unit property counts one per unit. Book a demo and we'll suggest the allowance that fits your volume.
Q—09Do we have to replace our CRM?
No. WALT adds underwriting capabilities to the system you already run. Through WALT Connect, our partner API, your CRM or loan system can create cases, upload documents, start an assessment and receive the decision and PDF report through signed webhooks. There is a sandbox with synthetic data for building and testing, and create calls are idempotent, so a retry never opens a duplicate case. Read the developer documentation.
Intelligent underwriting.
Instant confidence.
See WALT run a live decision on a case from your own desk.