BrickWise – The Physical Property Search for Mortgage Lenders
Reduce property risk before the valuation stage
As a lender, your priority is to ensure every loan is backed by a property that's worth the investment. You already rely on credit scoring, property valuations, and legal searches — but there's one layer of risk often left until it's too late: the physical condition of the property.
Unexpected repair needs — structural cracks, roofing deterioration, damp ingress, or decayed windows — can cause valuations to come in lower than expected, slow down approvals, or result in declined applications.
BrickWise offers the Physical Property Search: a fast, image-led assessment that gives you the first lens into the visible condition of the property before you commit to underwriting.
Why mortgage companies add the Physical Property Search
- Structural cracks and subsidence indicators
- Damp, mould, or poor ventilation
- Roof and gutter deterioration
- Window and frame decay
- Signs of neglected maintenance
Spotting these issues early lets you make more accurate lending decisions and prepare applicants for potential valuation impacts.
Adding the Physical Property Search at the start means your underwriting team is aware of possible defects before the valuation — minimising rework and application fallout.
This improves the likelihood that a sale progresses smoothly — and that the property retains its value post-purchase.
How it works
Photo collection
From estate agent listings, applicant uploads, or property visit images.
AI + expert review
Images analysed for visible defects and maintenance risks.
Concise risk report
A lender-friendly summary highlighting key findings and their potential lending impact.
This is not a replacement for a RICS valuation — it's a pre-valuation risk filter to improve decision-making speed and accuracy.
Benefits for Mortgage Companies
Fewer last-minute valuation surprises.
Lend on properties with fewer hidden risks.
Faster decisions, fewer rejected applications.
Offer an extra layer of diligence your competitors don't.
A modern addition to lending due diligence
BrickWise fits seamlessly into your pre-valuation workflow, giving you a property's visible condition story in hours, not weeks. By adding the Physical Property Search, you protect your lending decisions, reduce operational friction, and give your customers a faster, more transparent borrowing experience.