Mortgage - Cubic Financial Services

Mortgages- Low Deposit | Self Employed | Poor Credit | Company Buy To Let

Trusted By Homeowners & HomeBuyers 5 / 5

Get the Best Mortgage Deals with Expert Guidance

We simplify your journey to homeownership or investment. Get tailored advice, fast approvals, and competitive rates—all in one place.

100%

We Provide

Best Rates

Tired of Confusing Mortgage Options?

You’re not alone—navigating mortgages can feel like a full-time job filled with stress, confusion, and endless paperwork.

We Help You Secure the Right Mortgage—Without the Confusion

Buying your first home? Expanding your investment portfolio?

We simplify complex jargon and help you access mortgage products tailored to your needs—saving you time, stress, and money.

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How It Works Section (3 Steps)

Why Choose Us for Your Mortgage?

We understand every customer has different requirements and factors such as Limited income, Low Deposit, Employed, Self Employed Income, Age & Credit Score all play a role in finding the mortgage that fits. These are some of the benefits of using us to help you with your mortgage journey

We’ll simplify the process

We’ll help you secure a mortgage that fits your budget. Get the cheapest mortgage based on your needs.

Want to Refinance or Invest in Property?

Whether you’re reducing repayments or building a property portfolio, we’ll help you find smarter, lower-cost mortgage solutions.

Raise funds to carrying out those all important improvements

Build, Grow & Expand your Property portfolio with our Tailored and Qualified Advice

See Why Homeowners & Homebuyers Love Working With Us

5 / 5 Rating

I had an insightful consultation with Cubical Financial Services. They not only answered all my financial and mortgage-related queries but also provided valuable financial advice and strategic guidance…

– Ranga.

They have a super fast service. Explained everything very clearly and patiently having understood our circumstances. Being first time buyers they were a pleasure to work with. Highly recommended.

– Marzena.

Amazing professional service. Explains everything very well and clearly. Approached each client individually.

– Jessica.

Your Dream Home Starts with the Right Mortgage

Don’t settle for high rates or guesswork where you haven’t explored the whole market. Get expert advice and compare the best mortgage options now.

Years Experience

10 +

Mortgage Products

10 +

Lender Partnerships

10 +

Frequently Asked Questions

1. How much can I borrow?

The majority of Buy to Let mortgage products limit the borrowing at 75% of the property value (requiring a 25% deposit). However, there are a small number of lenders that will allow you to borrow up to 85% of the property value.

2. Is there anything else that might affeuch I can on my ?

The expected rental as well as the rental stress that the lender will apply will also limit the borrowing capacity. If you are finding it difficult to estimate what the expected rental for a property that you are interested in purchasing will be you can talk to us and we can provide you with information on some useful tools that will assist you in getting an idea of the rental that you can expect.

Some lenders on our panel will also allow you to use your personal income in circumstances where the rental on its own not sufficient to get the mortgage amount that you require, this can be invaluable in situations where you have a limited deposit/personal funds to complete the purchase and the mortgage that the lender is able to offer is not sufficient.

3. What is a Stress Test?

Lenders use a stress test to determine how much mortgage a borrower can comfortably afford. This will usually involve a lender working out the monthly payment based on an interest rate that they choose. This will then be multiplied by a percentage (coverage) value in excess of 100% and the result is what the minimum monthly rent should be to fund the mortgage amount that you require.

For example:
You would like to borrow £300,000
The lender that you apply to uses an interest rate of 5% with a coverage value of 125%.

5% of £300,000 = £15,000
To arrive at the monthly payment the lender will divide £15,000 by 12 = £1,250
Then it would be multiplied by the coverage percentage of 125%:
i.e. 125% of £1,250 = £1562.50

Therefore, the minimum rent that you require to get a loan of £300,000 is £1,562.50. As mentioned above, if this rent is not achievable, we could look to recommend a lender that will allow you to use your personal income to top-up the rental income.

4. Is the stress test the same for all lenders?

No. Different lenders may choose to use a different interest rate to stress test. At the time of writing, the lowest stress test from our panel of lenders and based on a remortgage where the value of the property is £400,000 & Loan Required is £300,000 was 2.54% which would require the minimum monthly rental income to be £793.75.

Send message for help. We are always here

Cubic Financial Services is a trading name of Wise Mortgages Ltd which is authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 807885. Wise Mortgages Ltd is registered in England & Wales. Registered No. 08878964. Registered Address 268 Bath Road, Slough, SL1 4DX

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01753 463933