Our Mission
Smartlayer is transforming home finance. We’ve created the Smart Home Data Grid - an open, real-time infrastructure that integrates financial data, energy usage, IoT signals, behavioral patterns, and sustainability metrics. With this 4D data model, Smartlayer delivers the next generation of dynamic home finance products.
Green Home FinancingDynamic Home LoansInclusive LendingOpen Data InfrastructureIoT Home SignalsReal Time Credit ScoringWhat do we build?
Smartlayer provides secure APIs, analytics, and compliance-ready infrastructure to support homeowners in building smarter products around this new data ecosystem.
that evaluates a home’s quality, livability, and long-term value.
A unified dashboard built for modern banks, combining real-time insights on property performance, borrower behavior, and risk signals. LenderView aggregates verified data across energy usage, insurance, financial obligations, and home metrics — empowering smarter decisions, enhanced credit models, and more inclusive lending.
Why does it matter?
Mortgage lending is lagging in responsiveness and insight. Traditional credit scoring and property appraisal are outdated - they delay decisions, overlook key risk drivers, and ignore sustainability realities. Smartlayer changes that:
Integrates real-time insights to move underwriting from weeks to minutes.
Consolidates verifiable data while maintaining rigorous privacy standards.
Enables lenders to adjust offers based on a homeowner’s behavior, sustainability profile, and property details.
The Smartlayer Engine
Our platform connects open data with user-consented insights to create an enriched mortgage
dataset - designed to minimize risk and maximize impact.
Consolidate
Open Data
1
EPC
Land registry data
Property surveyor report
Zoopla
Geo location data
Geo fencing data
Apply
Intelligence
3
Enriched Bank Mortgage Book
Identify
Opportunities
4
Action targeted financial
products opportunities
Augment with
Personal Data
2
Open Banking
Bank Statements
Affordability
Open Energy
Live Energy Usage
User validation
Smartlayer partners with forward-thinking banks to deliver faster underwriting, deeper borrower insights, and new product capabilities - all powered by real-time, property-specific data. With Homescore, you can lend smarter, reduce risk, and lead the market in financial innovation.
