Inside Cubik AI: how lender criteria becomes an indicative quote

Cubik AI is the quickest way to find out whether a deal is likely to stack up. You describe the case in your own words; it asks for anything missing, runs the numbers and shows an indicative illustration. Here is what is happening underneath.

Structured criteria, not a rate table

Each product Cubik AI prices — commercial and buy-to-let term lending, and bridging — has a criteria model maintained by our brokers. It covers loan-to-value ceilings, rental cover, credit profiles, property types and fees. When the criteria change, the model changes, so the illustration reflects how lenders are assessing cases now rather than a rate card from months ago.

From conversation to case

When you describe a deal, Cubik AI picks out the facts it needs: the property type, its value, the loan, the rent where there is one, and the term. If something is missing, it asks. It will not guess a figure you have not given it.

For buy-to-let cases it can estimate the maximum loan as soon as it knows the value and the rent, and it refines that figure as you tell it more — the property type or your credit history, for example. That way you see early on whether the deal is in range.

The illustration

Once it has enough, Cubik AI produces an illustration: the indicative rate, the loan-to-value, the monthly cost and the cover the rent provides. You can email it to yourself and pick the conversation up later.

Where a broker takes over

Some cases are not a fit for an instant illustration — semi-commercial property, development, asset finance, or anything unusual. Cubik AI says so and hands the case to a broker, carrying across what you have already told it so you do not have to repeat yourself.

Every illustration is indicative. No credit check is run, nothing is committed, and every case is reviewed by a qualified broker before anything proceeds. The software narrows the field quickly; a person confirms the match.