Fragmented evidence
Borrower documents are often mixed across emails, ZIP files, phone screenshots and repeated uploads.
About LAAVA
Operational software for cleaner mortgage broker case preparation
LAAVA helps mortgage brokers, loan processors and broker support teams turn fragmented borrower documents into a clearer pre-submission file review workflow. It combines AI agents and virtual assistant workflow support without replacing the broker's own review responsibility.
01
Organise
Classify, rename and structure borrower evidence into predictable broker-review folders.
02
Check
Review document readability, technical PDF signals, missing evidence and cross-document inconsistencies.
03
Follow up
Use checklist and borrower-facing missing document views to reduce repeated back-and-forth.
Industry problem
Mortgage file preparation is still too manual
Most broker teams are not short of effort. They are short of consistent, repeatable review infrastructure. A single case can contain application forms, payslips, bank statements, tax documents, council rates, loan statements, ID documents, servicing calculators and broker email attachments. These files often arrive in several messages, with inconsistent naming, duplicated copies, screenshots, scans and unclear versions.
That fragmentation creates real operational cost. Brokers and processors spend time opening the same files again, deciding where each document belongs, checking whether a required evidence item is missing, asking the borrower the same follow-up question twice, and manually comparing figures across the application, servicing calculator and supporting documents.
The result is a high broker and borrower communication cost. Borrowers often do not know exactly what is still missing. Brokers often need to explain missing documents through email, SMS or chat messages that become hard to track. When files are small, scattered and highly detailed, even experienced teams can miss a mismatch until late in the submission process.
Slow manual review
Processors spend unnecessary time renaming files, opening PDFs and checking the same basic structure by hand.
Weak document verification tools
Many broker teams do not have practical software to flag technical document signals, scanned files, readable text issues or obvious inconsistencies.
Costly follow-up
When missing documents are explained through scattered messages, borrowers and brokers both lose track of what remains outstanding.
Our approach
LAAVA adds a file quality layer before submission
LAAVA is built as a pre-submission document readiness platform. It does not replace broker judgment. It gives the broker team a more structured way to package files, check evidence quality and identify review priorities before a case is sent onward.
- Upload the broker-prepared ZIP. The broker starts with the case package they already have, without needing to rebuild the file manually inside the platform.
- LAAVA organises and reviews the documents. The platform classifies documents, standardises file names, checks key PDF signals, extracts readable information where possible and compares the case information across documents.
- The broker receives a cleaner result package. The reviewed package includes organised folders, a Submission Readiness Memo, checklist status and practical manual review actions.
- Missing documents can be communicated more clearly. The Borrower missing documents portal gives a borrower a view-only list of outstanding checklist items, reducing repeated questions about what is still required.
What the platform does
Operational checks designed for broker teams
LAAVA focuses on the work that happens before lender submission: file organisation, document quality review, checklist completion and consistency checking. It is designed to help a human reviewer find issues earlier, not to make a lending decision.
Case file organisation
Documents are classified into broker-review folders such as Forms, ID, Income, Asset, Liability and Others. File names are simplified and standardised so the next reviewer can scan the package quickly.
Checklist readiness
LAAVA compares the uploaded package against the relevant product checklist where available, then shows which required items appear provided, missing or not applicable.
Cross-document consistency
The platform compares readable application details, servicing figures, income evidence, asset evidence and liability evidence to surface obvious conflicts for human review.
Technical document checks
Key PDFs can be checked for readable text, scanned status, editing-software producer signals, signs that a PDF may have been saved or changed after it was first created, active-content indicators and other technical signals.
Income and employment review support
The review can highlight PAYG payslip YTD logic issues, employment evidence concerns, self-employed financial statement summaries, tax return figures and Notice of Assessment comparisons where readable.
Public source review support
Where configured, LAAVA can help check employer, company, ABN, GST and contact-source signals, including whether borrower contact details appear connected to a different business or industry.
Borrower missing documents portal
Brokers can generate a view-only borrower link that shows outstanding missing checklist items. Borrowers cannot see the broker memo, download result packages or edit the checklist.
Virtual assistant workflow support
LAAVA is designed to help broker teams hand structured tasks to processors, assistants or outsourced support staff. Enhanced loan packing and processor support services are still being built and can be discussed with LAAVA separately where a broker needs human assistance beyond the AI file review.
Submission Readiness Memo
The memo summarises the borrower profile, package status, review priorities, missing evidence and manual action items in broker-readable bullet points.
Broker value
Less file chasing, more structured review
For brokers
LAAVA helps qualify the file earlier, identify missing evidence before submission, reduce repeated borrower follow-up and present a cleaner package for the next human reviewer.
For loan processors
The platform reduces repetitive packaging work by standardising folders, names, checklist status and technical review notes in one workflow.
For borrower communication
The borrower-facing missing document view gives the customer a clearer list of outstanding documents, which reduces confusion caused by long chat threads or scattered email instructions.
For quality control
LAAVA provides a repeatable first-pass review process so file quality does not depend entirely on one person's memory, checklist habits or available time.
Who it is for
Built for mortgage operations teams
LAAVA is designed for mortgage brokers, broker assistants, loan processors, broker admin teams and outsourced processing teams that need a more consistent way to prepare and review file packages before submission.
It is especially useful for teams handling detailed full-doc, alt-doc, PAYG, self-employed, refinance and purchase scenarios where evidence can be spread across many small documents and small inconsistencies can create unnecessary delays.
Important boundary
LAAVA supports broker operations by reviewing uploaded documents for file completeness, technical signals and consistency issues. It does not provide credit advice, approve or decline loans, certify document authenticity, provide document authenticity certification, provide fraud clearance, or replace broker, licensee or lender judgment. LAAVA does not create, alter, complete, or embellish borrower evidence. Source documents remain the broker's original evidence files.
For more detail, read the File Review Tool, Privacy Policy, Terms of Use, Disclaimer and Data Retention pages.