Follow the link below to view our full Lending Criteria Guide.
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.
'How To' Guides
Important Information: We are currently only accepting applications from intermediaries located within our branch operating area unless already registered. Click here for more information.
Here you will find guidance on how submit an application with us and more.
You can download a copy of our registration documents below and once completed, just sign and send a scanned copy to us at intermediaries@cumberland.co.uk. You can submit these at anytime or with your first enquiry, as our due diligence checks will be completed within 48 hours.
If you are an appointed representative of MAB or Sesame, as these networks are on our panel, you only need to complete the Intermediary Registration document.
Download the Intermediary Registration Form
Download the Terms of Business for Mortgage Intermediaries Form
Once you have been added to our broker panel, you can register to submit mortgage Dips and Applications via our Broker Portal.
If you are already on our Intermediary panel or have completed the registration process, you can request access to our Broker Portal. Once we approve your access, you will be able to submit Esis requests, DIPs, Residential Mortgage Applications and upload supporting documentation all in one place.
For any products not currently displayed on sourcing systems, you can request a Mortgage Illustration via our Broker Portal
Please use our online affordability calculator. However for more complex cases, if you would like a Decision in Principle which also includes a soft credit search, please submit your request via our Broker Portal.
You can request a Decision in Principle via our Broker Portal. We will complete a ‘soft credit search’ at this stage and a Dip decision will be uploaded within 24-48 hours.
You can submit a residential application via our Broker Portal. As part of the application process, there will be a summary of what supporting documentation is required but this is also shown in our Packaging How To Guide. If the application is for a further loan, see section How to submit a Further Loan request.
Along with the completed Residential Application Form, we would require the following supporting documentation where applicable:
ID&V
At application stage, we will complete a hard credit search and use electronic ID&V. We would only request additional documentation if this were unsuccessful.
Income
Employed: Last 2 payslips
Self Employed: Last 1 years SA302s or last 1 years tax computation in combination with the corresponding HMRC tax year overview. Last 2 months business bank statements.
Accounts only required where the mortgage is not affordable on the latest year but would be on a 2 year average, where customer wishes to use net profits as a majority shareholder and where the mortgage loan to value is >80% or loan amount >£1m.
Bonus Payment: Payslip containing bonus payment or last 2 P60s.
Fixed / Zero Hour Contracts: Last 2 payslips and last P60.
Investment Income: Portfolio statement dated within last 12 months.
Other Income: Last 2 months banks statements evidencing corresponding credits.
Bank statements
Last 2 months bank statements required:
- Where mortgage is >80% loan to value.
- Where mortgage is for Debt Consolidation.
- Where being used to evidence supplementary income.
We may also request bank statements if, following a credit search we require supporting information.
Application form
We require the original direct debit mandate wet signed prior to mortgage offer but we can proceed with a scanned copy at application stage.
The signed hard copy should be posted to: FREEPOST, Cumberland Building Society, Cumberland House, Cooper Way, Carlisle, CA3 0JF
Please refer to the Rate Switch section of our website to find out more.
Should the portal be unavailable, please refer to our Documents library, where you will find editable pdf versions of all our forms, including our Residential Application form, which can also be completed for a DIP (section A-E) or full application.
You can then email this, together with supporting documentation direct to your dedicated relationship manager.
Please complete the Further Loan Application Form and email to your named relationship manager. Minimum loan amount £10,000. Please refer to our packaging guide on ‘Income verification’ and ‘Bank statements’ for what supporting documentation may be required.
Contact Us
We have a dedicated team of Intermediary Relationship Managers ready to support you and your customers.