Get a mortgage with as little as a 5% deposit

Whether you're a first time buyer or an established homeowner, a 5% deposit mortgage could help you move sooner rather than later.
See what you could borrow

Award-winning customer service

Providing great service is something we’re really proud of. Thanks to your feedback, we’ve won Feefo’s Platinum Trusted Service Award.
See our star rating

Looking for a mortgage?

We are now offering residential mortgages up to 95% loan to value (LTV) in our operating area and up to 90% throughout the rest of the UK (75% in London & SE England).

Buying your first home?
We’ve got great deals including 5% deposit mortgages
Thinking of moving house?
Expert advice and mortgages for new and existing customers
Looking to remortgage?
It's quick and easy to remortgage with The Cumberland

Coronavirus Help & Support

Any questions? Our award-winning customer care team are here to chat online, 7 days a week

Banking safely
Find out how we can help you with everyday banking tasks such as paying in cheques, cancelling direct debits and other transaction queries.
Mortgage payment holidays
Help is still available if you are experiencing problems with mortgage payments as a result of coronavirus or any other financial difficulties.
Support for business customers
Our dedicated commercial team are working with our customers throughout this crisis to provide whatever support we can.
Financial & mental wellbeing
One of our main priorities is to support our customers facing financial difficulties, providing guidance and support in a practical and proactive way.
Fraud protection advice
Follow our fraud protection advice to help keep your money safe and find out what scams to look out for at this time of year.

Latest News

Photo: Happiest customers in the UK!
Happiest customers in the UK!

The Cumberland has taken top spot in the latest Fairer Finance rankings for customer experience for savings customers.

The independent survey also found that the local building society had the happiest customers in the same category.

Photo: Everything you need to know about The Cumberland’s 5% deposit mortgages
Everything you need to know about The Cumberland’s 5% deposit mortgages

We're relaunching our 5% deposit mortgages. Here’s everything you need to know.

Photo: Meet Scott McKerracher, Head of Commercial
Meet Scott McKerracher, Head of Commercial

Our commercial lending division are poised for growth, with the appointment of Scott McKerracher as Head of Commercial.

View all our news
FSCS Logo (Small) FSCS Logo (Large)

Your eligible deposits with Cumberland Building Society are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here for further information or visit

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.