SPF Private Clients has adopted IBM Watson and IBM Cloud to develop Ava, a new AI virtual Help to Buy mortgage adviser. Ava was created to handle the significant increase in enquiries from first-time buyers looking to take advantage of the Government's Help to Buy scheme and the added complexities of the eligibility criteria. It helps first-time buyers onto the property ladder by offering round-the-clock support for any query they may have. It answers customer questions, verifies personal details and documentation while processing enquiries at a faster rate. It aims to give a mortgage indication in just three minutes.