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

Affordability Calculator

Important Information: We are currently only accepting applications from intermediaries located within our branch operating area unless already registered. Click here for more information.

This affordability calculator is for use by FCA authorised mortgage intermediaries only and should not be relied upon by anyone else. The affordability calculator is reliant on the input of correct information to provide an accurate result. Our customer affordability calculator can be found by clicking on ‘customer web pages’ in the information box above.

A kinder approach to Residential Mortgages

Before you start

This calculator is designed to provide an affordability check for the majority of applicant circumstances; however, if any of the following applies please contact our team who will be able to help further:

Part & Part mortgage
Loan extends beyond applicant(s) 70th birthday
Dividend Income Taxation calculations
Total income less than £40,000 and LTV less than 80%
BTL
Holiday Let

Latest News

The Cumberland’s Holiday Let Index – Summer 2026

For over 30 years, The Cumberland has worked alongside brokers and borrowers across the country, supporting people with very different goals - from purchasing their first holiday let to growing established portfolios. Those conversations have
given us a real appreciation of how varied this market is and how quickly it can change.

Case study: The Green, luxury holiday cottages in Cumbria

A husband-and-wife team have fulfilled their lifelong dream of owning a home in the Cumbrian countryside by turning it into their first hospitality venture thanks to support from The Cumberland Building Society.

A year of meaningful momentum in the Holiday Let market

After several years of adjustment, 2025 is building on a year of steady revival for the UK’s Holiday Let sector.

View all our news