Switch to a new Holiday Let deal

If you have a mortgage with us, we will contact you within 3 months of your discounted rate ending to offer you a new deal. Feel free to contact us beforehand to discuss your options

Introducing our Holiday Let Rate Switch Product Range

View our lending criteria to find out more.

Specialist pricing will be applied for the following applications:

  • Lending through Limited Company SPV
  • Property occupancy restrictions apply
  • The HM land registry title includes more than single letting unit
  • Security address is above commercial premises
  • Capital raising where funds are to be used to consolidate debts of £25k or more or some or all of the funds are to be used to inject funds into another business venture

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.

Products for Existing Customers

Use our mortgage product selector to compare our latest mortgage deals.

2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Commercial Variable Base Rate (CVBR), currently 9.74%, less the discount shown for the first 2 years, followed by our CVBR until the end of the mortgage. Please check if you are eligible for Core or Specialist products here.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from CVBRFollow on rateFeeType
Up to 75%Up to 75%£25k – £2m5.98%5.98%9.2% APRC9.2% APRC3.76%9.74%No feeCoreFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1% before the end of year 1 and 0.5% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this variable rate product for 2 years at 5.98% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 24 monthly payments of £751.04 and 216 monthly payments of £975.41.

The total amount payable would be £228,824 made up of the loan amount plus interest (£123,714) and a repayment fee (£110).

The overall cost for comparison is 9.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
Up to 75%Up to 75%£25k – £2m6.33%6.33%9.3% APRC9.3% APRC3.41%9.74%No feeSpecialistFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1% before the end of year 1 and 0.5% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this variable rate product for 2 years at 6.33% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 24 monthly payments of £772.38 and 216 monthly payments of £977.54.

The total amount payable would be £229,796 made up of the loan amount plus interest (£124,686) and a repayment fee (£110).

The overall cost for comparison is 9.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Commercial Variable Base Rate (CVBR), currently 9.74%, less the discount shown for the first 2 years, followed by our CVBR until the end of the mortgage. Please check if you are eligible for Core or Specialist products here.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from CVBRFollow on rateFeeType
Up to 75%Up to 75%£25k – £2m5.98%5.98%9.2% APRC9.2% APRC3.76%9.74%No feeCoreFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1% before the end of year 1 and 0.5% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this variable rate product for 2 years at 5.98% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 24 monthly payments of £751.04 and 216 monthly payments of £975.41.

The total amount payable would be £228,824 made up of the loan amount plus interest (£123,714) and a repayment fee (£110).

The overall cost for comparison is 9.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
Up to 75%Up to 75%£25k – £2m6.33%6.33%9.3% APRC9.3% APRC3.41%9.74%No feeSpecialistFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1% before the end of year 1 and 0.5% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this variable rate product for 2 years at 6.33% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 24 monthly payments of £772.38 and 216 monthly payments of £977.54.

The total amount payable would be £229,796 made up of the loan amount plus interest (£124,686) and a repayment fee (£110).

The overall cost for comparison is 9.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st May 2026, followed by our Commercial Variable Base Rate (CVBR), currently 9.74%, until the end of the mortgage. Please check if you are eligible for Core or Specialist products here.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFeeType
Up to 75%Up to 75%£25k – £2m5.80%5.80%9.1% APRC9.1% APRC9.74%No feeCoreFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd May 2025 and 1% before 2nd May 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2026
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2026 at 5.80% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 25 monthly payments of £740.19 and 215 monthly payments of £973.32.

The total amount payable would be £227,879 made up of the loan amount plus interest (£122,769) and a repayment fee (£110).

The overall cost for comparison is 9.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
Up to 75%Up to 75%£25k – £2m6.15%6.15%9.2% APRC9.2% APRC9.74%No feeSpecialistFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd May 2025 and 1% before 2nd May 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2026
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2026 at 6.15% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 25 monthly payments of £761.37 and 215 monthly payments of £975.58.

The total amount payable would be £228,894 made up of the loan amount plus interest (£123,784) and a repayment fee (£110).

The overall cost for comparison is 9.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st May 2026, followed by our Commercial Variable Base Rate (CVBR), currently 9.74%, until the end of the mortgage. Please check if you are eligible for Core or Specialist products here.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFeeType
Up to 75%Up to 75%£25k – £2m5.80%5.80%9.1% APRC9.1% APRC9.74%No feeCoreFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd May 2025 and 1% before 2nd May 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2026
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2026 at 5.80% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 25 monthly payments of £740.19 and 215 monthly payments of £973.32.

The total amount payable would be £227,879 made up of the loan amount plus interest (£122,769) and a repayment fee (£110).

The overall cost for comparison is 9.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
Up to 75%Up to 75%£25k – £2m6.15%6.15%9.2% APRC9.2% APRC9.74%No feeSpecialistFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd May 2025 and 1% before 2nd May 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2026
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2026 at 6.15% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 25 monthly payments of £761.37 and 215 monthly payments of £975.58.

The total amount payable would be £228,894 made up of the loan amount plus interest (£123,784) and a repayment fee (£110).

The overall cost for comparison is 9.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st May 2029, followed by our Commercial Variable Base Rate (CVBR), currently 9.74%, until the end of the mortgage. Please check if you are eligible for Core or Specialist products here.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFeeType
Up to 75%Up to 75%£25k – £2m5.75%5.75%7.9% APRC7.9% APRC9.74%No feeCoreFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd May 2025, 4% before 2nd May 2026, 3% before 2nd May 2027, 2% before 2nd May 2028 and 1% before 2nd May 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2029
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2029 at 5.75% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 61 monthly payments of £737.19 and 179 monthly payments of £938.89.

The total amount payable would be £213,140 made up of the loan amount plus interest (£108,030) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
Up to 75%Up to 75%£25k – £2m6.10%6.10%8.1% APRC8.1% APRC9.74%No feeSpecialistFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd May 2025, 4% before 2nd May 2026, 3% before 2nd May 2027, 2% before 2nd May 2028 and 1% before 2nd May 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2029
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2029 at 6.10% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 61 monthly payments of £758.32 and 179 monthly payments of £944.46.

The total amount payable would be £215,426 made up of the loan amount plus interest (£110,316) and a repayment fee (£110).

The overall cost for comparison is 8.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st May 2029, followed by our Commercial Variable Base Rate (CVBR), currently 9.74%, until the end of the mortgage. Please check if you are eligible for Core or Specialist products here.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFeeType
Up to 75%Up to 75%£25k – £2m5.75%5.75%7.9% APRC7.9% APRC9.74%No feeCoreFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd May 2025, 4% before 2nd May 2026, 3% before 2nd May 2027, 2% before 2nd May 2028 and 1% before 2nd May 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2029
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2029 at 5.75% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 61 monthly payments of £737.19 and 179 monthly payments of £938.89.

The total amount payable would be £213,140 made up of the loan amount plus interest (£108,030) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
Up to 75%Up to 75%£25k – £2m6.10%6.10%8.1% APRC8.1% APRC9.74%No feeSpecialistFind out
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd May 2025, 4% before 2nd May 2026, 3% before 2nd May 2027, 2% before 2nd May 2028 and 1% before 2nd May 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2029
Representative Example:

A mortgage of £105,000 payable over 20 years initially on this fixed rate product until 1st May 2029 at 6.10% and then on our Commercial Variable Base Rate (CVBR), currently 9.74% for the remaining term of the mortgage, would require 61 monthly payments of £758.32 and 179 monthly payments of £944.46.

The total amount payable would be £215,426 made up of the loan amount plus interest (£110,316) and a repayment fee (£110).

The overall cost for comparison is 8.1% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment