10004448A Fintech SME Disrupting Consumer Mortgage Financing Through an AI Application That Reduces Application Process Time by Up to 90%ClosedCollaborative R&DInnovate UKCubicLease is a rapidly growing UK fintech SME meeting a significant unmet global COVID-19-associated need with its AI application that securely assesses ID&V/affordability and shares the results with all parties involved. The COVID-19 pandemic has drastically slowed the process of property transactions, and conducting business face-to-face is no longer the preferred method, making a contactless way to share information and prevent the spread of COVID-19 more crucial than ever. CubicLease's solution enables the property industry to perform transactions quickly and safely during COVID-19 because it is automated and document-free. Months 3-6 will focus on R&D. In month 12, from feasibility studies conducted in September 2020, CubicLease will have access to 3,000+ mortgage brokers who will be targeted as early adopters at networking events. Month 12-18, CubicLease will save each mortgage broker 36 hours a month equivalent to £748 and will also reduce the initial property purchase steps to 5 minutes.