Please Note: The information included within these pages is for for use by FCA authorised intermediaries only. If you are a customer please visit our customer web pages.

Introducing our Holiday Let Mortgage Product Range

We offer a range of Holiday Let mortgage products. For details of our Product transfers please click here.

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

NOTE: if your client’s application falls outside the above criteria, it may be subject to commercial pricing and criteria. Please contact our Commercial team who may be able to help with your enquiry.

Our Current Deals

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 Value	Loan Amount	Initial interest rate for 2 years	Overall cost for comparison	Discount from CVBR	Follow on rate	Fee	Type
Up to 75%	Up to 75%	£75k – £2m	5.98%	5.98%	9.2% APRC	9.2% APRC	3.76%	9.74%	£999	CoreFind 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 £94,548 payable over 17 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 £739.36 and 180 monthly payments of £928.86. The total amount payable would be £186,068 made up of the loan amount plus interest (£90,391), arrangement fee (£999), other lending fees (£20) 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%	£75k – £2m	6.33%	6.33%	9.3% APRC	9.3% APRC	3.41%	9.74%	£999	SpecialistFind 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 £94,548 payable over 17 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 £757.84 and 180 monthly payments of £931.07. The total amount payable would be £186,910 made up of the loan amount plus interest (£91,233), arrangement fee (£999), other lending fees (£20) 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 Value	Loan Amount	Initial interest rate for 2 years	Overall cost for comparison	Discount from CVBR	Follow on rate	Fee	Type
Up to 75%	Up to 75%	£75k – £2m	5.98%	5.98%	9.2% APRC	9.2% APRC	3.76%	9.74%	£999	CoreFind 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 £94,548 payable over 17 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 £739.36 and 180 monthly payments of £928.86. The total amount payable would be £186,068 made up of the loan amount plus interest (£90,391), arrangement fee (£999), other lending fees (£20) 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%	£75k – £2m	6.33%	6.33%	9.3% APRC	9.3% APRC	3.41%	9.74%	£999	SpecialistFind 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 £94,548 payable over 17 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 £757.84 and 180 monthly payments of £931.07. The total amount payable would be £186,910 made up of the loan amount plus interest (£91,233), arrangement fee (£999), other lending fees (£20) 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 July 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 Value	Loan Amount	Initial interest rate for 2 years	Overall cost for comparison	Follow on rate	Fee	Type
Up to 75%	Up to 75%	£75k – £2m	5.80%	5.80%	9.1% APRC	9.1% APRC	9.74%	£999	CoreFind 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 July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 26 monthly payments of £729.95 and 178 monthly payments of £925.82. The total amount payable would be £184,904 made up of the loan amount plus interest (£89,226), arrangement fee (£999), other lending fees (£20) 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%	£75k – £2m	6.15%	6.15%	9.2% APRC	9.2% APRC	9.74%	£999	SpecialistFind 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 July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 26 monthly payments of £748.30 and 178 monthly payments of £928.25. The total amount payable would be £185,813 made up of the loan amount plus interest (£90,136), arrangement fee (£999), other lending fees (£20) 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 July 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 Value	Loan Amount	Initial interest rate for 2 years	Overall cost for comparison	Follow on rate	Fee	Type
Up to 75%	Up to 75%	£75k – £2m	5.80%	5.80%	9.1% APRC	9.1% APRC	9.74%	£999	CoreFind 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 July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 26 monthly payments of £729.95 and 178 monthly payments of £925.82. The total amount payable would be £184,904 made up of the loan amount plus interest (£89,226), arrangement fee (£999), other lending fees (£20) 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%	£75k – £2m	6.15%	6.15%	9.2% APRC	9.2% APRC	9.74%	£999	SpecialistFind 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 July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 26 monthly payments of £748.30 and 178 monthly payments of £928.25. The total amount payable would be £185,813 made up of the loan amount plus interest (£90,136), arrangement fee (£999), other lending fees (£20) 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 July 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 Value	Loan Amount	Initial interest rate for 5 years	Overall cost for comparison	Follow on rate	Fee	Type
Up to 75%	Up to 75%	£75k – £2m	5.75%	5.75%	7.9% APRC	7.9% APRC	9.74%	£999	CoreFind 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 July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 62 monthly payments of £727.35 and 142 monthly payments of £889.40. The total amount payable would be £172,520 made up of the loan amount plus interest (£76,842), arrangement fee (£999), other lending fees (£20) 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%	£75k – £2m	6.10%	6.10%	8.1% APRC	8.1% APRC	9.74%	£999	SpecialistFind 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 July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 62 monthly payments of £745.67 and 142 monthly payments of £895.21. The total amount payable would be £174,480 made up of the loan amount plus interest (£78,803), arrangement fee (£999), other lending fees (£20) 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 July 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 Value	Loan Amount	Initial interest rate for 5 years	Overall cost for comparison	Follow on rate	Fee	Type
Up to 75%	Up to 75%	£75k – £2m	5.75%	5.75%	7.9% APRC	7.9% APRC	9.74%	£999	CoreFind 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 July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 62 monthly payments of £727.35 and 142 monthly payments of £889.40. The total amount payable would be £172,520 made up of the loan amount plus interest (£76,842), arrangement fee (£999), other lending fees (£20) 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%	£75k – £2m	6.10%	6.10%	8.1% APRC	8.1% APRC	9.74%	£999	SpecialistFind 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 July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029 Representative Example: A mortgage of £94,548 payable over 17 years initially on this fixed rate product until 1st July 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 62 monthly payments of £745.67 and 142 monthly payments of £895.21. The total amount payable would be £174,480 made up of the loan amount plus interest (£78,803), arrangement fee (£999), other lending fees (£20) 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

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