Option 1 (available to First Time Buyers)

3 year fixed rates (until 1 April 2015)

You:

• can add the arrangement fee to your mortgage, subject to maximum LTV. This must be paid initially on application and if you choose to add this to your mortgage, it will be refunded upon completion of the mortgage
• can repay lump sums without any early repayment charge (up to £5,000 each financial year)
• will have to pay an early repayment charge (4% before 2 April 2013, 3% before 2 April 2014 and 2% before 2 April 2015 of the amount repaid) if you repay all or part of your mortgage before 2 April 2015 (excluding the above limit of £5,000 each financial year)
• will receive £100 Cashback if you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below). This offer does not apply for loans where the loan to value is greater than 85%.

Option 2 (available to First Time Buyers)

3 year fixed rates (until 1 April 2015)

You:

• can add the arrangement fee to your mortgage, subject to maximum LTV. This must be paid initially on application and if you choose to add this to your mortgage, it will be refunded upon completion of the mortgage
• can repay lump sums without any early repayment charge (up to £5,000 each financial year)
• will have to pay an early repayment charge (4% before 2 April 2013, 3% before 2 April 2014 and 2% before 2 April 2015 of the amount repaid) if you repay all or part of your mortgage before 2 April 2015 (excluding the above limit of £5,000 each financial year)
• must have your main current account with the Society if you are borrowing over 85% loan to value.
• will receive £100 Cashback if you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below). This offer does not apply for loans where the loan to value is greater than 85%.

Option 3 (available to First Time Buyers)

3 year fixed rates (until 1 April 2015)

You:

• can add the arrangement fee to your mortgage, subject to maximum LTV. This must be paid initially on application and if you choose to add this to your mortgage, it will be refunded upon completion of the mortgage.
• can repay lump sums without any early repayment charge (up to £5,000 each financial year)
• will receive a refund of basic mortgage valuation fee (up to £260)
• will receive a £250 contribution towards your legal fees
• will have to pay an early repayment charge (4% before 2 April 2013, 3% before 2 April 2014 and 2% before 2 April 2015 of the amount repaid) if you repay all or part of your mortgage before 2 April 2015 (excluding the above limit of £5,000 each financial year)
• must have your main current account with the Society if you are borrowing over 85% loan to value.
• will receive £100 Cashback if you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below). This offer does not apply where the loan to value is greater than 85%.

£100 Cashback - does not apply for loans where the loan to value is greater than 85%

To qualify, you must switch your main current account to the Cumberland using the Cumberland switching service. Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process.

To qualify, you must have your main current account with the Cumberland and have funded this with a minimum of £750 per month for the 3 successive months prior to your application. The £100 will be credited to your Cumberland current account shortly after your mortgage has been completed.

Fixed rate mortgages are limited issue products and may be withdrawn at any time. The maximum loan size is £500,000. For loans in excess of £500,000, please contact the Society for further details.

For full details or to arrange an appointment, simply contact us using any of the methods set out on the left of this page