Email your AI assistant a case.
Get it back checked and ready to submit.
Send whatever you have, from two lines to a full fact find. It works out what else it needs, gets it from your clients over email, day and night, and checks it all. You keep the advice and the client.
Mortgages, buy to let, bridging, commercial, asset finance and more.
AI Case Report
MTG 2026 01 184 · John & Jane Smith · Residential purchase
Case readiness
Does this applicant check out, and is the pack ready?
Everything checked looks OK, and the pack is ready to submit. Two things to consider, a £95 a month finance agreement appears in the statements and the credit file but was not mentioned at the start, reconciled and included in the figures on page 2, and Jane changed employer three months ago, same field, same income, no gap.
Evidenced income of £87,000 supports the £315,000 sought at 3.6 times loan to income, with £2,385 a month spare after commitments and essentials. The assistant gathered and checked 12 documents from 2 applicants over 5 days.
01
CASE DETAILS
Applicants
John Smith · lead applicant
Jane Smith · joint applicant
property
29 John Dalton Street Manchester, M2 6DS
Purchase £420,000 · deposit £105,000 (25%)
mortgage sought
£315,000
75% LTV · 25 year term
02
flags, declared against evidenced
Undisclosed commitment. A £95 a month finance agreement appears in the statements and on the credit file but was not mentioned at the start. Already included in the affordability figures. What to do next, confirm it with the applicants and name it in the submission notes.
Recent employer change. Jane changed employer 3 months ago, same field, same income, no gap. What to do next, nothing needed, noted here so it does not surprise you at underwriting.
No critical flags. No adverse markers, no undisclosed adverse credit.
Salary matches payslips
Deposit source evidenced
Names & addresses consistent
Commitments reconciled
Two weeks free, then £500 + VAT a month for all your cases.
We're backing a small group of UK firms writing 15 or more cases a month to put it to work on real cases and show the market what it can do. The flat price covers your first two months, with our team alongside you, no set up fee and no commitment.
See how it works.
One email in. A checked case back.
From the first details on a client to a case ready to submit, your Nivo AI Assistant runs every admin step in between.
Two lines or a full summary. Whatever you know about the client. The last admin you'll do on the case.
10:24 AM
John & Jane Smith
Hi Nivo, please find attached the latest documents for John & Jane Smith's residential purchase.
3 attachments
Docs, IDs, deposits, conduct. Cross checks every claim, chases the client day and night until it all lines up.
Gather evidence
Collecting the missing documents from John.
In progress
Check documents
Verifying everything is complete.
Pending
Chase client
Following up on outstanding items.
Pending
Every document checked, plus an AI case report on flags, affordability and readiness. Ready to submit to a lender.
AI Case Report
MTG 2026 01 184 · John & Jane Smith · Residential purchase
Case readiness
Does this applicant check out, and is the pack ready?
Everything checked looks OK, and the pack is ready to submit. Two things to consider, a £95 a month finance agreement appears in the statements and the credit file but was not mentioned at the start, reconciled and included in the figures on page 2. Also Jane changed employer three months ago, same field, same income.
All checks passed
This is what comes back.
Every case comes back as a checked pack: its documents, ready to submit, and an AI case report like this one.
Read a full example report →Case Readiness
A clear verdict: does this applicant check out, and is the pack ready to submit?
Flags, declared against evidenced
Anything the evidence surfaced that wasn't mentioned at the start, already reconciled into the figures, with what to do next.
Affordability, evidenced
Income, commitments and real spend from the actual documents, not the application form.
Specimen report. Every name, figure and document is invented, for demonstration only.
Every case burns about 5 hours
Time spent on admin is time not spent advising clients or winning new ones.
5 hrs
Gathering, checking and chasing per case
~£150
of admin cost on every case
None
of it is the advice you’re paid for
From around 100 surveys with UK brokers and lenders. Market data on our market insights page.
Not another document checker.
Checking documents is one task. Nivo AI Assistant runs the complete administrative workflow from first email to finished pack.
Gather
Check
Chase
Checks the documents
Leaves the gathering and chasing with you
You assemble the pack
Gather
Check
Chase
Deliver
Runs the complete case workflow
Gathers, checks and chases
Delivers the finished pack and report
Document checking tools and CRM extensions check documents or run tasks, you still run the case. Nivo AI Assistant runs the case. It works out what's required, gathers the ID, income evidence and documents for every applicant, checks everything, chases what's missing and keeps going until it's all through. From your first email to the finished, checked pack and report, nothing else does the whole job.
The difference is easiest to see for yourself. We’ll walk you through the system, end to end.
Polite, persistent, and on top of every detail.
Available day and night
Friendly requests in plain English
Keeps every applicant on track
Nivo Assistant
Hi John, I'm helping with your mortgage application. Please send your latest three months of bank statements.
John
Here you go.
Barclays_feb.pdf
Barclays_mar.pdf
Nivo Assistant
Thanks, both are clear. January is still missing, and I'll also need three months for the Monzo account you mentioned.
John
All here, I think!
4 files attached
Nivo Assistant
All six statements are complete. One £95 monthly payment needs clarifying, could you confirm what it is?
John
Sofa finance, with about eight months left.
Nivo Assistant
Perfect, I've included it in the affordability figures. Statements are complete. Next: a two minute identity check.
From £500 + VAT a month. Everything included.
One monthly allowance covers the AI's work, identity checks and every feature, with no set up fee or long term commitment.
Monthly Allowance
From
£500
/ month
That's the whole bill, the AI's work, ID checks and every feature. A typical case costs around £2 to £20, depending on complexity, against the ~£150 of admin time it replaces.
NO SET UP FEE
Everything you need to get started
No set up fee
No minimum term, walk away whenever you like
ID checks and all features included
No per user licences
Guided setup, with us alongside you on your first cases
30 minutes · no prep · no obligation
November intake, limited places: two weeks free, then £500 + VAT a month for all your cases in your first two months. Apply for a place →
Firms writing fewer than 15 cases a month: book a discovery call and we'll tell you what fits.
Trusted by 100+ lenders and brokers.
Nivo AI Assistant is new, built on the Nivo platform trusted by 100+ lenders and brokers.
Certified Foundations
ISO 27001
Information security management
ISO 42001
AI management system
ISO 9001
Quality management
Cyber essentials Plus
UK Government cyber security baseline
FSQS
Financial services supplier qualification
YOUR DATA
Protected by Design.
Hosted in the EEA and encrypted in transit and at rest. Every client runs in its own logically segregated instance, with an immutable audit trail of every message, file, check and AI action.
EEA Hosted
Encrypted
Immutable audit trail
responsible AI
Automation with oversight.
The AI automates admin, not credit decisions, humans stay in the loop. No client data is ever used to train the underlying models. Governed by a published AI policy aligned to ISO 42001.
Humans in control
No training on client data
More on our security and compliance page and our sub processors page.
Questions brokers ask us.
What does a case actually cost?
Plans start from £500 + VAT a month, which includes £500 of usage. Within that, a typical case costs around £2 to £20, depending on the number of applicants and how much checking and chasing it takes. That's far less than the five or so hours of admin it replaces.
What do my clients see?
A friendly, professional assistant in your brokerage's brand, over email. Plain English, no jargon, available day and night, patient with people who can't respond until evenings or weekends.
What if a client can't provide something?
The assistant uses judgement. It checks whether evidence already provided covers a requirement, for example whether open banking data already evidences income, rather than doggedly asking for more. Anything unresolved is set out clearly in the case report so you decide.
What happens on the discovery call?
Thirty minutes over a call. We'll ask how your firm works today, then take you through the system end to end, from the first email in to the checked case and report coming back. No prep needed, and no obligation.
Is this advice?
No. Nivo AI Assistant delivers a checked evidence pack and analysis, not advice. The advice, and the client relationship, stay yours.
How quickly can we start?
There's nothing to install and no integration project; it works over your email. We set it up with you, go through your first cases together and tune it based on your feedback. No set up fee, no minimum term.
Put it to work on your next case.
Book a 30 minute discovery call. We'll learn how your firm works and show you the system, from the first email in to the checked case and report coming back.
Or join the November intake: two weeks free, then £500 + VAT a month for all your cases. Apply for a place →