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Automated Valuation Model (AVM)

Definition

Computer algorithms that estimate property values using data such as recent sales, property characteristics, and market trends. Increasingly used for initial mortgage assessments, though physical valuations are still required for most HMO lending decisions.

Digital MortgageHMO MortgageInterest Coverage Ratio (ICR)HMO ValuationDebt Service Coverage Ratio (DSCR)Stress TestingPRA RulesNet Rental YieldVoid Periods

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