Nivo rolls out specialist lending AI assistant to brokers and lenders

The technology helps guide brokers through applications, identifies missing information, and structures cases.

Related topics:  Mortgages,  Technology
Rozi Jones | Editor, Financial Reporter
5th March 2026
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Nivo has opened access to Nivo AI, its AI assistant for specialist lending, to the wider broker and lender market following a successful pilot.

Designed to improve submission quality and reduce friction across broker-lender workflows, Nivo AI operates 24/7 over email, guiding brokers through applications, identifying missing information, structuring cases correctly and delivering lender-ready submissions designed to be ‘right first time’.

Nivo AI was developed to tackle the challenge of incomplete or poorly packaged submissions that create delays, repeated clarification requests and unnecessary strain on underwriting teams. By guiding brokers at source and structuring cases automatically, the platform reduces back-and-forth and improves deal flow quality before cases reach decision-makers.

To support adoption across firms of all sizes, Nivo is launching with a two-week free trial, giving lenders and brokers the opportunity to experience guided packaging, automated document structuring and criteria-aware prompts in live scenarios and with no obligation.

Following the trial, firms can choose between two implementation routes depending on their operational complexity and integration requirements:

- Fully integrated, funded projects for lenders seeking to embed Nivo AI across complex journeys, connecting directly into CRMs, case management systems and underwriting workflows.
- A rapid-start version designed for lenders and brokerages that want to deploy quickly with minimal configuration – immediately reducing email back-and-forth and improving ‘right first time’ submissions from day one.

Matthew Elliott, co-founder of Nivo, said: “Specialist lending doesn’t lack demand, but we all know it suffers from friction. During our early adopter phase, we focused on proving that AI could materially improve submission quality and reduce unnecessary back-and-forth between brokers and lenders. The results have been extremely encouraging.

“Nivo AI isn’t a generic chatbot bolted onto a workflow. It’s purpose-built for specialist lending – understanding packaging requirements, document standards and lender criteria. One prompt. The whole deal.”

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