Commercial mortgage service for brokers

We aim to build strong relationships with brokers, offering holiday let, buy-to-let and hospitality business mortgages
For all enquiries please contact us on
(01228) 403 141

Stamp Duty holiday deadline: Wednesday 31st March 2021
If your client wants their property purchase to complete before the end of the Stamp Duty holiday, please ensure enough time is left for the mortgage application and all associated legal work to be completed. You can find more information about turnaround times for personal searches in local council areas here.

Key lending criteria

  • Tenure

    Properties can be freehold or leasehold with a minimum of 85 years left on the lease at the start of the mortgage and 50 years on maturity.

  • Income

    No minimum income or home ownership required, except where specified on particular products. We consider background income and asset/liability position.

  • Fees

    Arrangement fees will apply. Legal and valuation fees are met by borrowers for all Cumberland Business mortgages.

  • Limited Companies

    Limited Company borrowers must be incorporated in the UK and beneficial owners must be resident in the UK.

  • Residency

    Individual borrowers must be resident in the UK.

  • Construction

    We are unable to mortgage property which is a temporary or movable structure.

Where We Lend

We provide mortgages throughout England, Scotland and Wales. Some of our mortgages are only available on properties in our operating area.

Our operating area is Cumbria (CA and LA postcodes), South-West Scotland (DG and TD9), West Northumberland (NE45-49), North Lancashire (PR, FY, LA AND BB1-3 and BB5-7) and North Yorkshire (HG, YO, BD20, BD23-24, DL6-11, LS21-23 and LS29).

Book a time for us to call you to discuss your needs

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