Email in a case.
Get back a checked, ready to submit pack.
Your brokerage's own AI assistant gathers every document, search and piece of evidence, checks it all, and chases whatever is missing. You get back a complete evidence pack and case report, without lifting a finger.
AI Case Report
MTG 2026 01 184 · George & Priya Lee · 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 Priya 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
George Lee · lead applicant
Priya Lee · 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. Priya 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
One email in. Checked pack out.
From the first client details to a complete, submission-ready evidence pack, Nivo Collect runs every administrative 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
George & Priya Lee
Hi Nivo, please find attached the latest documents for George & Priya Lee'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
Checked documents plus an AI case report with flags, affordability and readiness. Ready to submit to lender.
AI Case Report
MTG 2026 01 184 · George & Priya Lee · 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 Priya changed employer three months ago, same field, same income.
All checks passed
You send one email. This comes back.
You send one email with what you know about your client. The AI gathers, checks and chases, then sends back a full case report like this.
Get the full specimen pack by email →
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 figure in this specimen is invented. At the demo, we'll show you a live case run for real.
Every case burns about 5 hours
From the first client details to a complete, submission-ready evidence pack, Nivo Collect runs every administrative step in between.
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 at nivohub.ai/market-insights.
Is that what it looks like in your business?
Not another document checker.
Checking documents is one task. Nivo Collect 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
Doc-check tools and CRM plug-ins check documents or run tasks, you still run the case. Nivo Collect 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 live. We’ll show you a case run end to end.
The whole story on one PDF, get the brochure →Polite, persistent, and on top of every detail.
Available day and night
Friendly, plain-English requests
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 £1,000 a month. Everything included.
One monthly allowance covers the AI's work, identity checks and every feature - with no setup fee or long-term commitment.
Monthly Allowance
From
£1,000
/ month
That's the whole bill, the AI's work, ID checks and every feature. A typical case comes out at £10-£40 of AI work, against the ~£150 of admin time it replaces.
NO SETUP FEE
Everything you need to get started
No Setup fee
No minimum term, walk away whenever you like
ID checks and all features included
No per-user licences
Live in hours
30 minutes · no prep · no obligation
Trusted by 100+ lenders and brokers.
Nivo Collect 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
DIATF
Digital identity and trust framework
FSQS
Financial services supplier qualification
YOUR DATA
Protected by Design.
Hosted solely in AWS EU West 1 (Ireland), data never leaves the EEA. 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 at nivohub.ai/security-and-compliance
The full security and compliance detail, data residency, encryption, responsible AI, is in the brochure.
Get it by email →Questions brokers ask us.
What does a case actually cost?
Our monthly credit allowance starts from £1,000 worth per month. Within that, a typical case uses £10 to £40 of AI work depending on the number of applicants and how much checking and chasing it takes, always 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 cross-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 at the demo?
Thirty minutes over a call. We'll show you a live case run end to end, from the first email in, through the gathering, checking and chasing, to the checked pack and case report coming back. No prep needed, and no obligation; there's no minimum term even if you go ahead.
Is this advice?
No. Nivo Collect delivers a checked evidence pack and analysis, not advice. The advice, and the client relationship, stay yours.
How quickly can we start?
Live in hours. There's nothing to install and no integration project, it works over your email. No setup fee, no minimum term.
Watch it run a case, end to end.
Book a 30 minute demo. We'll show you a live case run from the first email in to the checked pack and report coming back.
Not ready for a demo? Get the full specimen pack by email.
We'll email you the pack and may follow up about Nivo Collect. Unsubscribe any time.