Pre-qualify mortgage enquiries inline. NIVA collects income and deposit details, runs an affordability estimate via API, and routes warm leads to a broker.
Mortgage brokers spend time on enquiries that don't qualify, while serious buyers abandon long forms and slow callbacks.
A mortgage persona answers product questions from a knowledge base, the Flow Engine collects income, deposit and property details conversationally, an API node returns an affordability estimate, and a webhook routes qualified leads to a broker.
Real differences your team will feel from day one — not theoretical benchmarks.
| Area | Before NIVA | With NIVA |
|---|---|---|
| Lead quality | Mixed | Pre-qualified |
| Form abandonment | Long static forms | Conversational |
| Estimate speed | Callback | Inline |
| Broker time | Wasted on poor fits | Focused |
This is a public-facing deployment that engages prospects and customers directly on your website or app. It is designed to capture demand that would otherwise be lost outside business hours, to deflect the repetitive questions that consume your finance & banking team, and to turn anonymous traffic into structured, followed-up leads.
In practical terms, the shift looks like this: on lead quality, you move from mixed to pre-qualified; on form abandonment, you move from long static forms to conversational; on estimate speed, you move from callback to inline; on broker time, you move from wasted on poor fits to focused. Each of these is a direct consequence of moving the interaction from a manual, human-gated channel to an always-available conversational one that still escalates to a person when the situation genuinely needs it.
Implementation reality: the conversational layer, routing, data capture, and system handoff are all within NIVA's documented no-code capabilities. Where this use case reads or writes live data, it assumes the relevant API or webhook endpoint exists on your side; that integration is the one piece worth scoping before launch. Start with the knowledge base and flow, then layer in live API calls once the core experience is proven.
No developers. No long setup. NIVA gives you every engine shown on this page — persona routing, flow automation, smart forms, and webhooks — as a ready-to-configure platform.