LTV monitoring
Continuous portfolio LTV tracking
Submit your mortgage portfolio once and receive updated valuations on a rolling basis. Flag properties where LTV has drifted above threshold automatically without manual re-appraisal.
Banks & credit institutions
Automated valuation across your entire mortgage portfolio.
Integrate Vision Engine™ via API for continuous LTV monitoring, credit assessment and portfolio risk analysis using the same methodology every time, at any scale.
<6%
Median absolute error for apartments in metropolitan areas with sufficient transaction data
94%
Confidence score on well-documented properties with available imagery
API
REST API with batch endpoints for portfolio-scale valuation. Single assets or thousands of addresses
Capabilities
Everything your credit team needs to decide faster.
Credit assessment
Valuation at point of application
Integrate Vision Engine™ into your credit origination workflow. Receive a market value, confidence interval and full factor breakdown within seconds of address submission.
Portfolio risk
Portfolio-scale risk analysis
Upload an address list and receive consistent valuation reports for every property using the same methodology, same confidence intervals, fully auditable output.
Market intelligence
Market exposure by segment and area
Understand your portfolio's concentration risk by neighbourhood, property type and price segment. Track how market movements affect specific parts of your book in real time.
Integration
Three ways to integrate Vision Engine™.
Full API documentation is provided at onboarding. Both synchronous calls for single assets and batch calls for portfolio valuation are supported.
REST API
Direct integration
Well-defined endpoints for valuation, condition scoring and market data. Minimal IT effort. Integrate into existing credit assessment systems, origination platforms or internal dashboards.
Batch processing
Portfolio upload
Submit an address list via API or CSV upload in Nezto Pro. Receive a complete valuation report per property exported as structured data or PDF.
Dashboard
Nezto Pro portal
For teams that prefer a browser-based interface. Search, analyse and export without code. Suitable for credit analysts, risk managers and compliance teams.
Common questions
How is Vision Engine™ integrated into an existing credit assessment system?
Via REST API with well-defined endpoints for valuation, condition scoring and market data. Integration requires minimal IT effort and full API documentation is provided at onboarding. Both synchronous calls for single assets and batch calls for portfolio valuation are supported.
What is the accuracy of the AVM compared to manual valuation?
Vision Engine™ achieves a median absolute error (MAE) of under 6% for apartments in metropolitan areas with sufficient transaction data. For thinner markets, a wider confidence interval is provided and clearly communicated in the report. Image analysis further reduces the error where photos are available.
How is GDPR and data protection handled for portfolio valuation via API?
All data processing takes place within the EU. Nezto acts as data processor and a Data Processing Agreement is signed as part of onboarding. Address data and valuation results are stored encrypted and deleted according to the agreed retention period. No model training is performed on customer data without explicit consent.
Is the output auditable for regulatory purposes?
Yes. Every valuation includes a full factor breakdown (SHAP values), comparables used, data sources referenced and a confidence score. Output is exportable as structured data for integration into your own audit trail.
Automate your portfolio valuation.
Request API access and see Vision Engine™ run against properties from your own portfolio.