Mortgages- Low Deposit | Self Employed | Poor Credit | Company Buy To Let
Trusted By Homeowners & HomeBuyers 5 / 5

Get the Best Mortgage Deals From People That Care

First Time Buyer, Homeowner or Buy to Let, We simplify your journey to homeownership or investment. Get tailored Mortgage advice, fast approvals, and competitive rates—all in one place.

We'll Get You The

Best Rate

Whole of Market Access

Free Consultation

5-Star Google Reviews

Mortgage Finder


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 We Do It

Talk to an Expert

Schedule a free call one on one call with a mortgage advisor.

We Compare Top
Lenders

We scan 30+ lenders and provide you with a breakdown of best deals for your goals.

Get Approved, Fast

We handle the paperwork, work with the lender & and keep you updated every step of the way.

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.

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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?
This can vary significantly from lender to lender. We do have a a mortgage calculator that you can access using the below URL. However, if you are not getting the amount that you require in the calculator then please reach out as the calculator only provides an estimate whereas talking to us will enable us to consult each of the 30+ lenders from our whole of market lending panel which could still enable you to get the loan that you require.
2. Besides Income, Is there anything else that might affect how much I can borrow?
Yes, there are several other factors, some examples include number of dependents, your credit commitments, credit score amongst other things.
3. Will I get a cheaper interest rate by using you?
Some lenders will allow us to offer you cheaper rates than what you would get if you were to approach them directly. We will always scan the whole market to find you the cheapest rate and you will be provided with a research list which details all the lenders from the cheapest to the most expensive.
4. Can you get me an Agreement In Principle (AIP) quickly as my estate agent is asking for it?
Yes we can.
We understand the importance of securing the property that you like as quickly as possible. With this in mind we provide an express AIP services where usually we can get you an AIP on the same day providing you can give us all the information that we require from you.

Send message for help. We are always here

    As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

    The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK

    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

    All rights reserved © 2025 Cubic Financial Services.