If you are sourcing property data for lending, insurance, or portfolio management in the UK, two names come up quickly: Hometrack and CoreLogic, the latter now trading as Cotality following a March 2025 rebrand. Both are entrenched in the financial services supply chain, both maintain enormous databases, and both command premium pricing through enterprise sales models.
Choosing between them is rarely straightforward. They overlap in some areas - automated valuations, climate risk, property attributes - but pull in different directions on others. This comparison breaks down the practical differences for anyone evaluating either platform for procurement or integration.
Who is Hometrack?
Hometrack was founded in 1999 and sits within the Houseful group alongside Zoopla, Alto, and Primelocation. Silver Lake Partners acquired the parent company ZPG for roughly £2.2 billion in 2018. Hometrack's main asset is its Automated Valuation Model, used by 18 of the top 20 UK mortgage lenders and accredited by Moody's, S&P, and Fitch for residential mortgage-backed securities. It processes upwards of 50 million automated valuations per year.
Beyond the AVM, Hometrack operates the Property Risk Hub - a cloud-native decisioning engine that bundles valuations with configurable business rules, surveyor allocation, case management, and climate risk insights. The platform is deeply integrated into mortgage origination workflows across the UK. Its Data Services division, drawing on Zoopla's 200-million-plus data points, provides market intelligence covering pricing, supply, demand, and affordability.
Who is CoreLogic (Cotality)?
CoreLogic rebranded to Cotality in March 2025 - a name combining "collaboration, totality, and vitality." The company was spun out of First American Corporation in 2010 and was taken private by Stone Point Capital and Insight Partners in 2021. It operates globally across the US, UK, Australia, New Zealand, and several other markets, with roughly 5,200 employees and reported revenue of approximately $1.6 billion (last publicly disclosed).
In the UK, Cotality monitors 30.9 million residential properties daily, stores 150 million transactions, and draws from over 100 data sources to compile 135 data points per property. Its IntelliVal AVM claims 100 percent UK property coverage and is used by more than 80 percent of buy-to-let lenders. Cotality also dominates the surveying infrastructure - 86 percent of UK surveyor panel managers use its software, and over 95 percent of valuation instructions pass through its systems.
The UK product range extends into retrofit assessment (PAS Hub, Surveyor Pro), insurance risk analytics, property marketing services for estate agents, and climate risk reporting for mortgage back-books.
Automated valuations
Both platforms run AVMs, but their pedigrees differ. Hometrack's model has the longest track record in the UK mortgage market, operating continuously since 2002 and carrying triple accreditation from the major rating agencies. This accreditation is non-negotiable for institutions issuing RMBS.
Cotality's IntelliVal uses machine learning with real-time data recalibration and claims 77 percent accuracy within 10 percent of actual sale price. It is particularly strong in the buy-to-let segment, where its 80-percent-plus lender penetration reflects a deep specialism.
Neither publishes AVM pricing. Both run enterprise contracts negotiated per client, so expect a sales cycle before you see a number. For organisations needing rating-agency-accredited valuations, Hometrack remains the default. For buy-to-let portfolios, Cotality has the stronger footprint.
Surveying and workflow integration
This is where the two platforms diverge most. Cotality runs the surveying infrastructure for the UK mortgage market. Its Lender Hub connects lenders, panel managers, and surveying firms with real-time updates and automated triage. The 95-percent share of valuation instruction processing creates a network effect that is extremely difficult for any competitor to displace.
Hometrack's Property Risk Hub takes a different approach. Rather than owning the surveying workflow end to end, it focuses on the decisioning layer - selecting the most cost-effective valuation method (desktop, drive-by, or physical inspection) based on configurable lender rules and risk models. Its Digital Valuer product combines the AVM with machine learning to reduce the number of physical inspections required.
If your organisation manages surveyor panels, Cotality is probably already embedded in your stack. If your priority is reducing the cost and volume of physical valuations through intelligent triage, Hometrack's approach may be more relevant.
Climate and environmental risk
Both platforms offer climate risk products, reflecting regulatory pressure from the Bank of England's climate stress tests. Hometrack's Climate Change Insights cover flood, coastal erosion, subsidence, and energy efficiency, integrated directly into the Property Risk Hub for mortgage origination decisioning. Its partnership with Twinn (Royal Haskoning) extends into broader climate solutions.
Cotality approaches environmental risk from the insurance side. Its Perils Insight suite is not a UK product per se - the company's broader offerings include catastrophe modelling acquired through EQECAT - but its UK data feeds climate transition and net-zero reporting for mortgage back-books. The retrofit division (PAS Hub, Surveyor Pro, Pathways) is unique to Cotality and targets the energy efficiency upgrade market.
For lending-focused climate compliance, Hometrack is further ahead. For retrofit planning and energy efficiency data, Cotality has a distinct advantage.
Property data breadth and delivery
Hometrack draws from Zoopla's listing ecosystem, giving it real-time supply-and-demand signals that no registry-based provider can replicate. Its 200-million-plus data points span pricing, affordability, market trends, and rental intelligence. However, its property-level attribute depth is oriented around market signals rather than physical characteristics.
Cotality's UK data platform stores 135 data points per property across 30.9 million addresses, with particular depth in construction characteristics collected through its surveyor network. It also holds over 50 years of price index history. The data emphasis skews towards physical property attributes and insurance-relevant fields rather than market dynamics.
Neither platform offers self-serve API access or published pricing schedules. Both require enterprise engagements with bespoke contracts and extended onboarding cycles.
Where Hometrack is stronger
Hometrack holds the advantage in mortgage origination. The triple rating-agency accreditation of its AVM makes it essential for RMBS issuance. The Property Risk Hub provides workflow automation that goes well beyond data delivery, handling case management, surveyor allocation, and business rules configuration within a single platform. Access to Zoopla's live listing data gives it unmatched market intelligence for pricing, demand tracking, and affordability analysis. For UK mortgage lenders, Hometrack is difficult to displace.
Where CoreLogic (Cotality) is stronger
Cotality's grip on surveying infrastructure is its defining asset in the UK. The 95-percent share of valuation instructions and 86-percent panel manager penetration create network effects that lock in the entire surveying supply chain. Its buy-to-let AVM dominance (80-percent-plus of lenders), retrofit and energy efficiency tools, and insurance-focused data products give it a broader vertical reach than Hometrack. For organisations operating across lending, insurance, and property services, Cotality offers a wider product surface.
Where Chimnie fits in
Both Hometrack and Cotality are enterprise platforms with opaque pricing, lengthy procurement cycles, and integration timelines measured in months. For organisations that need property data without the overhead of an enterprise sales engagement, Chimnie offers a different model entirely.
Chimnie covers over 35 million UK properties with more than 500 attributes per address - significantly deeper than Cotality's 135 data points and broader than Hometrack's market-signal-oriented dataset. The platform includes a free AVM with calibrated confidence intervals, rebuild cost estimates, risk scoring, and environmental data. It is completing two years of national planning permission ingestion, launching imminently - a dataset that neither Hometrack nor Cotality offers at comparable depth.
Pricing is transparent and published: residential lookups from £0.05 to £0.15 per property, commercial data at £0.45 per property on a pay-as-you-go basis with volume discounts available. The free AVM is available immediately, with no contract or sales call required.
For procurement teams evaluating Hometrack or Cotality, Chimnie is worth benchmarking as either a supplement or an alternative. Its API-first, self-serve onboarding means you can test data quality against your own requirements in hours rather than weeks. Over 150,000 consumer users on chimnie.co.uk continuously validate the underlying data, and outbuildings are mapped and valued separately from the main dwelling - a level of granularity that neither incumbent provides.
A free trial is available for teams that want to compare output directly.
Conclusion
Hometrack and Cotality serve overlapping but distinct parts of the UK property data market. Hometrack owns the mortgage origination layer through its AVM accreditations and decisioning platform. Cotality owns the surveying infrastructure and has broader vertical coverage across insurance, retrofit, and estate agency services. Both are deeply embedded incumbents with high switching costs.
The practical question for most buyers is not which of the two to back exclusively, but whether either platform on its own gives you the data depth, pricing flexibility, and speed of access that modern property workflows demand. For the gaps they leave - transparent pricing, self-serve onboarding, planning data, per-property commercial lookups, and 500-plus attribute depth - Chimnie is the logical third option to evaluate.
