In December 2025 the Prudential Regulation Authority (PRA), part of the Bank of England, published SS5/25, replacing SS3/19. The new supervisory statement applies to UK banks and building societies and came into effect immediately on publication. Flood risk features heavily, with the PRA expecting firms to understand climate-related risk exposure at individual property level.
Firms had until 3 June 2026 to assess their position against the new expectations and develop plans to address any gaps. Those plans are now expected to be in delivery. Is property-level flood risk data one of yours?
EPC ratings are the other half of the picture. Energy Performance Certificates rate a property’s energy efficiency from A to G, and privately rented homes currently require a minimum rating of E. The Government has confirmed plans to increase this requirement to a C across England and Wales from October 2030. Buy-to-let lenders will need clear visibility of which properties meet future standards and which may require intervention.
Combining datasets is difficult, especially so when two datasets could have the same property yet different address data, common with flats and apartments. This is where The Postcode People’s 40+ years’ experience in address and data quality can help.
AFD’s address lookup and database cleansing solutions validate every address against Royal Mail PAF and Ordnance Survey data. Using unique property reference numbers (UPRN), AFD can link your property data to specialist datasets and return both flood risk and EPC data at the individual property level.
Flood risk data includes both Rivers & Seas and Surface Water assessments, with risk classifications returned as Very Low, Low, Medium or High. EPC information can also be linked directly to the property record, providing visibility of the current energy performance across your mortgage portfolio.
This information can be returned both at the point of application, helping assess risk as addresses are entered, or appended to existing data during a bulk database cleanse across an existing mortgage book.
Does your organisation have complete confidence in its property and address data? Are there separate datasets across your business that could deliver greater value when brought together?
Contact Joel Miller today on 0333 4330 194 or email joel.miller@afd.co.uk to discuss your requirements and discover how AFD can help improve data quality, reduce risk, and unlock the full value of your property data.
We serve thousands of organisations and a network of hundreds of partners across multiple industry sectors, enabling them to have full confidence in their contact data.