Application pack
A lender-ready pack, assembled in one pass.
Once the information and documents are on file, Xova assembles a structured pack with a clear case narrative, designed to give your client the best chance of a competitive offer.
- 30 minutes
- No slide deck
- No obligation
Actual Xova platform view showing application pack.
Structured the way lenders read
Summary, borrower, security, serviceability, supporting documents. A consistent structure means a credit team can find what it needs quickly, and quick to assess is very often quick to offer.
- Consistent, predictable structure
- Contents page and cross-references
- Per-lender layouts where required
A narrative, not a bundle
The pack explains the case: what the borrower does, why the funding is needed, how it will be serviced and what mitigates the risk. Built from the file, then edited by the broker who knows the deal.
- Draft narrative generated from the record
- Fully editable before it goes out
- House style applied automatically
Case narrative
Funding requirement
House styleThe borrower is seeking funding to support the acquisition and refurbishment of the property. Repayment is expected from...
Consistent quality across the desk
The strongest pack on your desk becomes the standard, not the exception. New joiners produce work that looks like your best work, and lenders learn what to expect from your name on a submission.
- One standard across every broker
- Review step before submission
- Versioned so resubmissions are traceable
Pack quality review
Structure
Complete
Narrative
Reviewed
Evidence
Attached
See application pack on one of your own cases.
A 30-minute walkthrough configured around the products you broker.
- 30 minutes
- No slide deck
- No obligation
UK hosted
Client data stays in the United Kingdom.
Full audit trail
Every check, document and decision is time stamped.
Built for UK GDPR
Retention, access and consent handled inside the client record.
API first
Connects to the tools your desk already runs on.
How it works
Application pack in four steps
Complete the file
Intake, checks and documents populate everything the pack needs.
Generate
Xova assembles the structured pack and drafts the case narrative.
Review
The broker edits the narrative and confirms the contents.
Submit
Send to lenders and track what went where, and when.
“A credit team gives your submission a few minutes. The pack decides what they find in them.”
Questions
Frequently asked
Is the narrative written for us automatically?
A draft is generated from the file to remove the blank-page problem. It is always reviewed and edited by the broker before submission.
Can we tailor packs to individual lenders?
Yes. Where a lender expects a particular order or set of forms, that layout can be saved and reused.
Can we resubmit after changes?
Packs are versioned, so a revised submission is traceable against the original.
Further reading
From the Insights desk
Lending
The commercial mortgage process from enquiry to completion, and where deals stall
A commercial mortgage is a sequence of dependent stages, not one long wait. Knowing where deals usually stall is most of what makes a broker fast.
Craig Peterson · 8 September 2026 · 9 min read
Read articleLending
Packaging buy-to-let and portfolio landlord cases lenders can say yes to
Portfolio landlord cases fail on stress testing and missing schedules more often than on the underlying asset. Here's what a lender actually needs to see.
Craig Peterson · 8 September 2026 · 8 min read
Read articleGrowth
Getting on a lender panel, and staying on it
Panel managers see the same weak applications on repeat. Here's what actually gets a broker firm onto a lender panel, and what keeps you there once you are.
Craig Peterson · 8 September 2026 · 8 min read
Read articleSee application pack against your own process.
We’ll configure a walkthrough around the products you broker.