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 standard and non-standard Holiday Let mortgage products. View our lending criteria to find out more.

Our Current Deals

2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st September 2024, followed by our Commercial Variable Base Rate (CVBR), currently 5.24%, until the end of the mortgage.

Loan To Value Loan Amount Initial interest rate for 2 years Overall cost for comparison Follow on rate Fee
Up to 60% Up to 60% £75k – £2m 3.44% 3.44% 5.1% APRC 5.1% APRC 5.24% £999 Find 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 September 2023 and 1% before 2nd September 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2024
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2024 at 3.44% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 27 monthly payments of £480.78 and 249 monthly payments of £563.86.

The total amount payable would be £154,511 made up of the loan amount plus interest (£61,780), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 5.1% 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.

Up to 75% Up to 75% £75k – £2m 3.84% 3.84% 5.2% APRC 5.2% APRC 5.24% £999 Find 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 September 2023 and 1% before 2nd September 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2024
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2024 at 3.84% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 27 monthly payments of £500.25 and 249 monthly payments of £565.74.

The total amount payable would be £155,505 made up of the loan amount plus interest (£62,774), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 5.2% 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.

5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st September 2027, followed by our Commercial Variable Base Rate (CVBR), currently 5.24%, until the end of the mortgage.

Loan To Value Loan Amount Initial interest rate for 5 years Overall cost for comparison Follow on rate Fee
Up to 60% Up to 60% £75k – £2m 3.59% 3.59% 4.7% APRC 4.7% APRC 5.24% £999 Find 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 September 2023, 4% before 2nd September 2024, 3% before 2nd September 2025, 2% before 2nd September 2026 and 1% before 2nd September 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2027
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2027 at 3.59% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 63 monthly payments of £488.03 and 213 monthly payments of £554.56.

The total amount payable would be £149,996 made up of the loan amount plus interest (£57,265), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% 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.

Up to 75% Up to 75% £75k – £2m 3.99% 3.99% 4.9% APRC 4.9% APRC 5.24% £999 Find 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 September 2023, 4% before 2nd September 2024, 3% before 2nd September 2025, 2% before 2nd September 2026 and 1% before 2nd September 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2027
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2027 at 3.99% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 63 monthly payments of £507.67 and 213 monthly payments of £558.92.

The total amount payable would be £152,162 made up of the loan amount plus interest (£59,431), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.9% 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.

2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Commercial Variable Base Rate (CVBR), currently 5.24%, less the discount shown for the first 2 years, followed by our CVBR until the end of the mortgage.

Loan To Value Loan Amount Initial interest rate for 2 years Overall cost for comparison Discount from CVBR Follow on rate Fee
Up to 60% Up to 60% £75k – £2m 3.64% 3.64% 5.2% APRC 5.2% APRC 1.60% 5.24% £999 Find 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 (1.00% before the end of year 1 and 0.50% 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 £91,602 payable over 23 years initially on this variable rate product for 2 years at 3.64% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 24 monthly payments of £490.46 and 252 monthly payments of £565.56.

The total amount payable would be £155,421 made up of the loan amount plus interest (£62,690), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 5.2% 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.

Up to 75% Up to 75% £75k – £2m 4.04% 4.04% 5.2% APRC 5.2% APRC 1.20% 5.24% £999 Find 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 (1.00% before the end of year 1 and 0.50% 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 £91,602 payable over 23 years initially on this variable rate product for 2 years at 4.04% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 24 monthly payments of £510.15 and 252 monthly payments of £567.19.

The total amount payable would be £156,304 made up of the loan amount plus interest (£63,573), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 5.2% 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.

2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st September 2024, followed by our Commercial Variable Base Rate (CVBR), currently 5.24%, until the end of the mortgage.

Loan To Value Loan Amount Initial interest rate for 2 years Overall cost for comparison Follow on rate Fee
Up to 60% Up to 60% £75k – £2m 4.29% 4.29% 5.3% APRC 5.3% APRC 5.24% 1% (of mortgage amount) Find 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 September 2023 and 1% before 2nd September 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2024
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2024 at 4.29% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 27 monthly payments of £522.68 and 249 monthly payments of £567.78.

The total amount payable would be £156,536 made up of the loan amount plus interest (£63,887), arrangement fee (1% of mortgage amount) and other lending fees (£20).

The overall cost for comparison is 5.3% 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.

Up to 75% Up to 75% £75k – £2m 4.69% 4.69% 5.4% APRC 5.4% APRC 5.24% 1% (of mortgage amount) Find 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 September 2023 and 1% before 2nd September 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2024
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2024 at 4.69% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 27 monthly payments of £543.06 and 249 monthly payments of £569.53.

The total amount payable would be £157,522 made up of the loan amount plus interest (£64,873), arrangement fee (1% of mortgage amount) and other lending fees (£20).

The overall cost for comparison is 5.4% 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.

5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st September 2027, followed by our Commercial Variable Base Rate (CVBR), currently 5.24%, until the end of the mortgage.

Loan To Value Loan Amount Initial interest rate for 5 years Overall cost for comparison Follow on rate Fee
Up to 60% Up to 60% £75k – £2m 4.44% 4.44% 5.1% APRC 5.1% APRC 5.24% 1% (of mortgage amount) Find 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 September 2023, 4% before 2nd September 2024, 3% before 2nd September 2025, 2% before 2nd September 2026 and 1% before 2nd September 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2027
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2027 at 4.44% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 63 monthly payments of £530.27 and 213 monthly payments of £563.69.

The total amount payable would be £154,519 made up of the loan amount plus interest (£61,871), arrangement fee (1% of mortgage amount) and other lending fees (£20).

The overall cost for comparison is 5.1% 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.

Up to 75% Up to 75% £75k – £2m 4.84% 4.84% 5.3% APRC 5.3% APRC 5.24% 1% (of mortgage amount) Find 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 September 2023, 4% before 2nd September 2024, 3% before 2nd September 2025, 2% before 2nd September 2026 and 1% before 2nd September 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2027
Representative Example:

A mortgage of £91,602 payable over 23 years initially on this fixed rate product until 1st September 2027 at 4.84% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 63 monthly payments of £550.81 and 213 monthly payments of £567.81.

The total amount payable would be £156,691 made up of the loan amount plus interest (£64,042), arrangement fee (1% of mortgage amount) and other lending fees (£20).

The overall cost for comparison is 5.3% 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.

2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Commercial Variable Base Rate (CVBR), currently 5.24%, less the discount shown for the first 2 years, followed by our CVBR until the end of the mortgage.

Loan To Value Loan Amount Initial interest rate for 2 years Overall cost for comparison Discount from CVBR Follow on rate Fee
Up to 60% Up to 60% £75k – £2m 4.49% 4.49% 5.3% APRC 5.3% APRC 0.75% 5.24% 1% (of mortgage amount) Find 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 (1.00% before the end of year 1 and 0.50% 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 £91,602 payable over 23 years initially on this variable rate product for 2 years at 4.49% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 24 monthly payments of £532.82 and 252 monthly payments of £568.97.

The total amount payable would be £157,214 made up of the loan amount plus interest (£64,566), arrangement fee (1% of mortgage amount) and other lending fees (£20).

The overall cost for comparison is 5.3% 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.

Up to 75% Up to 75% £75k – £2m 4.89% 4.89% 5.4% APRC 5.4% APRC 0.35% 5.24% 1% (of mortgage amount) Find 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 (1.00% before the end of year 1 and 0.50% 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 £91,602 payable over 23 years initially on this variable rate product for 2 years at 4.89% and then on our Commercial Variable Base Rate (CVBR), currently 5.24% for the remaining term of the mortgage, would require 24 monthly payments of £553.41 and 252 monthly payments of £570.49.

The total amount payable would be £158,091 made up of the loan amount plus interest (£65,443), arrangement fee (1% of mortgage amount) and other lending fees (£20).

The overall cost for comparison is 5.4% 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.