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.

Residential Mortgage Products

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

Our Current Deals

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

If any part of your mortgage is Interest Only the maximum Loan-to-value (LTV) we offer is 75%*.

If you require a combination of repayment types, you can view the products available to you by selecting the Interest Only button below.

* LTV dependant on repayment strategy used.

RepaymentInterest Only
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,713 made up of the loan amount plus interest (£95,584), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,973 made up of the loan amount plus interest (£95,584), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £181,822 made up of the loan amount plus interest (£96,692), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £182,082 made up of the loan amount plus interest (£96,692), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,378 made up of the loan amount plus interest (£96,249), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,638 made up of the loan amount plus interest (£96,249), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.81%4.81%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,483 made up of the loan amount plus interest (£97,353), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.81%4.81%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,743 made up of the loan amount plus interest (£97,353), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.67%4.67%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £480.70 and 239 monthly payments of £637.06.

The total amount payable would be £182,709 made up of the loan amount plus interest (£96,580), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.87%4.87%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.48 and 239 monthly payments of £639.19.

The total amount payable would be £182,816 made up of the loan amount plus interest (£97,686), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.88%4.88%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.98 and 239 monthly payments of £639.29.

The total amount payable would be £183,869 made up of the loan amount plus interest (£97,740), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.98%4.98%7.0% APRC7.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £495.91 and 239 monthly payments of £640.34.

The total amount payable would be £183,422 made up of the loan amount plus interest (£98,292), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.23%5.23%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £508.36 and 239 monthly payments of £642.91.

The total amount payable would be £184,795 made up of the loan amount plus interest (£99,665), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 95%Up to 95%£50k – £450k5.33%5.33%7.2% APRC7.2% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.33% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £513.38 and 239 monthly payments of £643.92.

The total amount payable would be £185,343 made up of the loan amount plus interest (£100,213), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,713 made up of the loan amount plus interest (£95,584), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,973 made up of the loan amount plus interest (£95,584), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £181,822 made up of the loan amount plus interest (£96,692), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

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Up to 60%Up to 60%£750,010 – £2m4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £182,082 made up of the loan amount plus interest (£96,692), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

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Up to 75%Up to 75%£20k – £750k4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,378 made up of the loan amount plus interest (£96,249), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,638 made up of the loan amount plus interest (£96,249), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.81%4.81%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,483 made up of the loan amount plus interest (£97,353), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.81%4.81%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,743 made up of the loan amount plus interest (£97,353), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.67%4.67%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £480.70 and 239 monthly payments of £637.06.

The total amount payable would be £182,709 made up of the loan amount plus interest (£96,580), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.87%4.87%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.48 and 239 monthly payments of £639.19.

The total amount payable would be £182,816 made up of the loan amount plus interest (£97,686), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.88%4.88%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.98 and 239 monthly payments of £639.29.

The total amount payable would be £183,869 made up of the loan amount plus interest (£97,740), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

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Up to 90%Up to 90%£20k – £450k4.98%4.98%7.0% APRC7.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £495.91 and 239 monthly payments of £640.34.

The total amount payable would be £183,422 made up of the loan amount plus interest (£98,292), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.23%5.23%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £508.36 and 239 monthly payments of £642.91.

The total amount payable would be £184,795 made up of the loan amount plus interest (£99,665), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

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Up to 95%Up to 95%£50k – £450k5.33%5.33%7.2% APRC7.2% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.33% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £513.38 and 239 monthly payments of £643.92.

The total amount payable would be £185,343 made up of the loan amount plus interest (£100,213), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.74%4.74%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,096 made up of the loan amount plus interest (£96,967), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

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Up to 60%Up to 60%£750,010 – £2m4.74%4.74%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,356 made up of the loan amount plus interest (£96,967), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £183,759 made up of the loan amount plus interest (£97,630), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £184,019 made up of the loan amount plus interest (£97,630), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.74%4.74%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,096 made up of the loan amount plus interest (£96,967), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.74%4.74%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,356 made up of the loan amount plus interest (£96,967), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

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Up to 75%Up to 75%£20k – £750k4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £183,759 made up of the loan amount plus interest (£97,630), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £184,019 made up of the loan amount plus interest (£97,630), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,385 made up of the loan amount plus interest (£76,256), 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,645 made up of the loan amount plus interest (£76,256), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,197 made up of the loan amount plus interest (£77,067), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,457 made up of the loan amount plus interest (£77,067), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,568 made up of the loan amount plus interest (£76,439), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,828 made up of the loan amount plus interest (£76,439), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.36%5.36%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,377 made up of the loan amount plus interest (£77,247), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.36%5.36%7.9% APRC7.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,637 made up of the loan amount plus interest (£77,247), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.11%5.11%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £485.91 and 227 monthly payments of £614.96.

The total amount payable would be £152,873 made up of the loan amount plus interest (£76,744), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.46%5.46%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.46% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £500.76 and 227 monthly payments of £616.43.

The total amount payable would be £152,579 made up of the loan amount plus interest (£77,449), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.23%5.23%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.98 and 227 monthly payments of £615.47.

The total amount payable would be £153,115 made up of the loan amount plus interest (£76,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.53%5.53%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.53% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £503.76 and 227 monthly payments of £616.72.

The total amount payable would be £152,719 made up of the loan amount plus interest (£77,589), 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.78%5.78%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £514.55 and 227 monthly payments of £617.75.

The total amount payable would be £153,223 made up of the loan amount plus interest (£78,093), 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.

Send enquiry
Up to 95%Up to 95%£50k – £450k5.98%5.98%8.0% APRC8.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £523.27 and 227 monthly payments of £618.55.

The total amount payable would be £153,623 made up of the loan amount plus interest (£78,493), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,385 made up of the loan amount plus interest (£76,256), 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,645 made up of the loan amount plus interest (£76,256), arrangement fee (£999), valuation fee (£260), 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.

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Up to 60%Up to 60%£20k – £750k5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,197 made up of the loan amount plus interest (£77,067), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,457 made up of the loan amount plus interest (£77,067), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,568 made up of the loan amount plus interest (£76,439), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,828 made up of the loan amount plus interest (£76,439), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.36%5.36%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,377 made up of the loan amount plus interest (£77,247), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.36%5.36%7.9% APRC7.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,637 made up of the loan amount plus interest (£77,247), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.11%5.11%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £485.91 and 227 monthly payments of £614.96.

The total amount payable would be £152,873 made up of the loan amount plus interest (£76,744), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.46%5.46%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.46% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £500.76 and 227 monthly payments of £616.43.

The total amount payable would be £152,579 made up of the loan amount plus interest (£77,449), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

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Up to 90%Up to 90%£20k – £450k5.23%5.23%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.98 and 227 monthly payments of £615.47.

The total amount payable would be £153,115 made up of the loan amount plus interest (£76,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

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Up to 90%Up to 90%£20k – £450k5.53%5.53%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.53% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £503.76 and 227 monthly payments of £616.72.

The total amount payable would be £152,719 made up of the loan amount plus interest (£77,589), 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.

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Up to 95%Up to 95%£20k – £450k5.78%5.78%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £514.55 and 227 monthly payments of £617.75.

The total amount payable would be £153,223 made up of the loan amount plus interest (£78,093), 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.

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Up to 95%Up to 95%£50k – £450k5.98%5.98%8.0% APRC8.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £523.27 and 227 monthly payments of £618.55.

The total amount payable would be £153,623 made up of the loan amount plus interest (£78,493), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k5.12%5.12%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £152,892 made up of the loan amount plus interest (£76,763), 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.

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Up to 60%Up to 60%£750,010 – £2m5.12%5.12%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £153,152 made up of the loan amount plus interest (£76,763), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

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Up to 75%Up to 75%£20k – £750k5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,074 made up of the loan amount plus interest (£76,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

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Up to 75%Up to 75%£750,010 – £2m5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,334 made up of the loan amount plus interest (£76,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k5.12%5.12%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £152,892 made up of the loan amount plus interest (£76,763), 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.

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Up to 60%Up to 60%£750,010 – £2m5.12%5.12%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £153,152 made up of the loan amount plus interest (£76,763), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,074 made up of the loan amount plus interest (£76,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,334 made up of the loan amount plus interest (£76,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,595 made up of the loan amount plus interest (£113,466), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,855 made up of the loan amount plus interest (£113,466), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.54%5.54%8.1% APRC8.1% APRC2.70%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £542.50 and 276 monthly payments of £684.06.

The total amount payable would be £202,950 made up of the loan amount plus interest (£113,821), 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,595 made up of the loan amount plus interest (£113,466), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,855 made up of the loan amount plus interest (£113,466), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.54%5.54%8.1% APRC8.1% APRC2.70%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £542.50 and 276 monthly payments of £684.06.

The total amount payable would be £202,950 made up of the loan amount plus interest (£113,821), 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.64%5.64%8.2% APRC8.2% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,444 made up of the loan amount plus interest (£114,055), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.2% 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.64%5.64%8.2% APRC8.2% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,444 made up of the loan amount plus interest (£114,055), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.2% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,713 made up of the loan amount plus interest (£95,584), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,973 made up of the loan amount plus interest (£95,584), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £181,822 made up of the loan amount plus interest (£96,692), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £182,082 made up of the loan amount plus interest (£96,692), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,378 made up of the loan amount plus interest (£96,249), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,638 made up of the loan amount plus interest (£96,249), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.81%4.81%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,483 made up of the loan amount plus interest (£97,353), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.81%4.81%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,743 made up of the loan amount plus interest (£97,353), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.67%4.67%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £480.70 and 239 monthly payments of £637.06.

The total amount payable would be £182,709 made up of the loan amount plus interest (£96,580), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.87%4.87%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.48 and 239 monthly payments of £639.19.

The total amount payable would be £182,816 made up of the loan amount plus interest (£97,686), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.88%4.88%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.98 and 239 monthly payments of £639.29.

The total amount payable would be £183,869 made up of the loan amount plus interest (£97,740), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.98%4.98%7.0% APRC7.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £495.91 and 239 monthly payments of £640.34.

The total amount payable would be £183,422 made up of the loan amount plus interest (£98,292), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.23%5.23%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £508.36 and 239 monthly payments of £642.91.

The total amount payable would be £184,795 made up of the loan amount plus interest (£99,665), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,713 made up of the loan amount plus interest (£95,584), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.49%4.49%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,973 made up of the loan amount plus interest (£95,584), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £181,822 made up of the loan amount plus interest (£96,692), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.69%4.69%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £182,082 made up of the loan amount plus interest (£96,692), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,378 made up of the loan amount plus interest (£96,249), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.61%4.61%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,638 made up of the loan amount plus interest (£96,249), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.81%4.81%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,483 made up of the loan amount plus interest (£97,353), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.81%4.81%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,743 made up of the loan amount plus interest (£97,353), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.67%4.67%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £480.70 and 239 monthly payments of £637.06.

The total amount payable would be £182,709 made up of the loan amount plus interest (£96,580), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.87%4.87%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.48 and 239 monthly payments of £639.19.

The total amount payable would be £182,816 made up of the loan amount plus interest (£97,686), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.88%4.88%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.98 and 239 monthly payments of £639.29.

The total amount payable would be £183,869 made up of the loan amount plus interest (£97,740), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k4.98%4.98%7.0% APRC7.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £495.91 and 239 monthly payments of £640.34.

The total amount payable would be £183,422 made up of the loan amount plus interest (£98,292), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.23%5.23%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £508.36 and 239 monthly payments of £642.91.

The total amount payable would be £184,795 made up of the loan amount plus interest (£99,665), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.74%4.74%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,096 made up of the loan amount plus interest (£96,967), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.74%4.74%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,356 made up of the loan amount plus interest (£96,967), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £183,759 made up of the loan amount plus interest (£97,630), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £184,019 made up of the loan amount plus interest (£97,630), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.74%4.74%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,096 made up of the loan amount plus interest (£96,967), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.74%4.74%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,356 made up of the loan amount plus interest (£96,967), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £183,759 made up of the loan amount plus interest (£97,630), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.86%4.86%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £184,019 made up of the loan amount plus interest (£97,630), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,385 made up of the loan amount plus interest (£76,256), 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,645 made up of the loan amount plus interest (£76,256), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,197 made up of the loan amount plus interest (£77,067), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,457 made up of the loan amount plus interest (£77,067), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,568 made up of the loan amount plus interest (£76,439), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,828 made up of the loan amount plus interest (£76,439), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.36%5.36%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,377 made up of the loan amount plus interest (£77,247), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.36%5.36%7.9% APRC7.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,637 made up of the loan amount plus interest (£77,247), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.11%5.11%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £485.91 and 227 monthly payments of £614.96.

The total amount payable would be £152,873 made up of the loan amount plus interest (£76,744), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.46%5.46%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.46% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £500.76 and 227 monthly payments of £616.43.

The total amount payable would be £152,579 made up of the loan amount plus interest (£77,449), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.23%5.23%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.98 and 227 monthly payments of £615.47.

The total amount payable would be £153,115 made up of the loan amount plus interest (£76,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.53%5.53%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.53% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £503.76 and 227 monthly payments of £616.72.

The total amount payable would be £152,719 made up of the loan amount plus interest (£77,589), 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.78%5.78%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £514.55 and 227 monthly payments of £617.75.

The total amount payable would be £153,223 made up of the loan amount plus interest (£78,093), 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,385 made up of the loan amount plus interest (£76,256), 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.87%4.87%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,645 made up of the loan amount plus interest (£76,256), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,197 made up of the loan amount plus interest (£77,067), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.27%5.27%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,457 made up of the loan amount plus interest (£77,067), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,568 made up of the loan amount plus interest (£76,439), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.96%4.96%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,828 made up of the loan amount plus interest (£76,439), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.36%5.36%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,377 made up of the loan amount plus interest (£77,247), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.36%5.36%7.9% APRC7.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,637 made up of the loan amount plus interest (£77,247), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.11%5.11%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £485.91 and 227 monthly payments of £614.96.

The total amount payable would be £152,873 made up of the loan amount plus interest (£76,744), 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.

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Up to 85%Up to 85%£20k – £750k5.46%5.46%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.46% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £500.76 and 227 monthly payments of £616.43.

The total amount payable would be £152,579 made up of the loan amount plus interest (£77,449), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.23%5.23%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.98 and 227 monthly payments of £615.47.

The total amount payable would be £153,115 made up of the loan amount plus interest (£76,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.53%5.53%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.53% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £503.76 and 227 monthly payments of £616.72.

The total amount payable would be £152,719 made up of the loan amount plus interest (£77,589), 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.

Send enquiry
Up to 95%Up to 95%£20k – £450k5.78%5.78%7.9% APRC7.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £514.55 and 227 monthly payments of £617.75.

The total amount payable would be £153,223 made up of the loan amount plus interest (£78,093), 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k5.12%5.12%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £152,892 made up of the loan amount plus interest (£76,763), 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.

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Up to 60%Up to 60%£750,010 – £2m5.12%5.12%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £153,152 made up of the loan amount plus interest (£76,763), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,074 made up of the loan amount plus interest (£76,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,334 made up of the loan amount plus interest (£76,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k5.12%5.12%7.9% APRC7.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £152,892 made up of the loan amount plus interest (£76,763), 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.12%5.12%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £153,152 made up of the loan amount plus interest (£76,763), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,074 made up of the loan amount plus interest (£76,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.21%5.21%8.0% APRC8.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,334 made up of the loan amount plus interest (£76,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,595 made up of the loan amount plus interest (£113,466), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,855 made up of the loan amount plus interest (£113,466), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.54%5.54%8.1% APRC8.1% APRC2.70%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £542.50 and 276 monthly payments of £684.06.

The total amount payable would be £202,950 made up of the loan amount plus interest (£113,821), 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,595 made up of the loan amount plus interest (£113,466), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.39%5.39%8.1% APRC8.1% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,855 made up of the loan amount plus interest (£113,466), arrangement fee (£999), valuation fee (£260), 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.

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Up to 85%Up to 85%£20k – £750k5.54%5.54%8.1% APRC8.1% APRC2.70%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £542.50 and 276 monthly payments of £684.06.

The total amount payable would be £202,950 made up of the loan amount plus interest (£113,821), 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.

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Up to 90%Up to 90%£20k – £450k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

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2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

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Up to 75%Up to 75%£750,010 – £2m5.64%5.64%8.2% APRC8.2% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,444 made up of the loan amount plus interest (£114,055), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.2% 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.64%5.64%8.2% APRC8.2% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,444 made up of the loan amount plus interest (£114,055), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.2% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.52%4.52%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.52% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £469.44 and 239 monthly payments of £630.10.

The total amount payable would be £180,359 made up of the loan amount plus interest (£94,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.52%4.52%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.52% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £469.44 and 239 monthly payments of £630.10.

The total amount payable would be £180,619 made up of the loan amount plus interest (£94,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.77%4.77%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £180,731 made up of the loan amount plus interest (£96,316), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.77%4.77%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £180,991 made up of the loan amount plus interest (£96,316), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.71%4.71%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.71% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £478.59 and 239 monthly payments of £632.12.

The total amount payable would be £181,400 made up of the loan amount plus interest (£95,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.71%4.71%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.71% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £478.59 and 239 monthly payments of £632.12.

The total amount payable would be £181,660 made up of the loan amount plus interest (£95,986), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.91%4.91%7.0% APRC7.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £488.31 and 239 monthly payments of £634.22.

The total amount payable would be £181,495 made up of the loan amount plus interest (£97,080), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.91%4.91%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £488.31 and 239 monthly payments of £634.22.

The total amount payable would be £181,755 made up of the loan amount plus interest (£97,080), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.93%4.93%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.29 and 239 monthly payments of £634.43.

The total amount payable would be £182,604 made up of the loan amount plus interest (£97,190), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.13%5.13%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £499.13 and 239 monthly payments of £636.48.

The total amount payable would be £182,696 made up of the loan amount plus interest (£98,281), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.08%5.08%7.2% APRC7.2% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.08% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £496.66 and 239 monthly payments of £635.98.

The total amount payable would be £183,424 made up of the loan amount plus interest (£98,010), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.23%5.23%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £504.08 and 239 monthly payments of £637.50.

The total amount payable would be £183,241 made up of the loan amount plus interest (£98,826), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.52%4.52%6.9% APRC6.9% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.52% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £469.44 and 239 monthly payments of £630.10.

The total amount payable would be £180,359 made up of the loan amount plus interest (£94,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.52%4.52%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.52% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £469.44 and 239 monthly payments of £630.10.

The total amount payable would be £180,619 made up of the loan amount plus interest (£94,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.77%4.77%6.9% APRC6.9% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £180,731 made up of the loan amount plus interest (£96,316), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.77%4.77%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £180,991 made up of the loan amount plus interest (£96,316), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.71%4.71%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.71% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £478.59 and 239 monthly payments of £632.12.

The total amount payable would be £181,400 made up of the loan amount plus interest (£95,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.71%4.71%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.71% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £478.59 and 239 monthly payments of £632.12.

The total amount payable would be £181,660 made up of the loan amount plus interest (£95,986), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.91%4.91%7.0% APRC7.0% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £488.31 and 239 monthly payments of £634.22.

The total amount payable would be £181,495 made up of the loan amount plus interest (£97,080), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.91%4.91%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £488.31 and 239 monthly payments of £634.22.

The total amount payable would be £181,755 made up of the loan amount plus interest (£97,080), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k4.93%4.93%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.29 and 239 monthly payments of £634.43.

The total amount payable would be £182,604 made up of the loan amount plus interest (£97,190), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.13%5.13%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £499.13 and 239 monthly payments of £636.48.

The total amount payable would be £182,696 made up of the loan amount plus interest (£98,281), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.08%5.08%7.2% APRC7.2% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.08% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £496.66 and 239 monthly payments of £635.98.

The total amount payable would be £183,424 made up of the loan amount plus interest (£98,010), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.23%5.23%7.1% APRC7.1% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £504.08 and 239 monthly payments of £637.50.

The total amount payable would be £183,241 made up of the loan amount plus interest (£98,826), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.77%4.77%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £181,730 made up of the loan amount plus interest (£96,316), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.77%4.77%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £181,990 made up of the loan amount plus interest (£96,316), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.96%4.96%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.76 and 239 monthly payments of £634.74.

The total amount payable would be £182,768 made up of the loan amount plus interest (£97,354), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.96%4.96%7.2% APRC7.2% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.76 and 239 monthly payments of £634.74.

The total amount payable would be £183,028 made up of the loan amount plus interest (£97,354), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k4.77%4.77%7.0% APRC7.0% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £181,730 made up of the loan amount plus interest (£96,316), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.77%4.77%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.77% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.49 and 239 monthly payments of £632.76.

The total amount payable would be £181,990 made up of the loan amount plus interest (£96,316), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k4.96%4.96%7.1% APRC7.1% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.76 and 239 monthly payments of £634.74.

The total amount payable would be £182,768 made up of the loan amount plus interest (£97,354), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.96%4.96%7.2% APRC7.2% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £84,285 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.76 and 239 monthly payments of £634.74.

The total amount payable would be £183,028 made up of the loan amount plus interest (£97,354), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£0.1m – £750k4.85%4.85%7.8% APRC7.8% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.85% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £783.00 and 155 monthly payments of £945.80.

The total amount payable would be £168,303 made up of the loan amount plus interest (£66,174), arrangement fee (£1,999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.85%4.85%7.9% APRC7.9% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.85% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £783.00 and 155 monthly payments of £945.80.

The total amount payable would be £168,563 made up of the loan amount plus interest (£66,174), arrangement fee (£1,999), valuation fee (£260), 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.90%4.90%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.90% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £785.59 and 155 monthly payments of £946.18.

The total amount payable would be £167,427 made up of the loan amount plus interest (£66,298), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.90%4.90%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.90% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £785.59 and 155 monthly payments of £946.18.

The total amount payable would be £167,687 made up of the loan amount plus interest (£66,298), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k5.30%5.30%7.6% APRC7.6% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.30% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £806.51 and 155 monthly payments of £949.19.

The total amount payable would be £167,417 made up of the loan amount plus interest (£67,287), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.6% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.30%5.30%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.30% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £806.51 and 155 monthly payments of £949.19.

The total amount payable would be £167,677 made up of the loan amount plus interest (£67,287), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£0.1m – £750k4.98%4.98%7.9% APRC7.9% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £789.75 and 155 monthly payments of £946.79.

The total amount payable would be £168,625 made up of the loan amount plus interest (£66,496), arrangement fee (£1,999), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.98%4.98%7.9% APRC7.9% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £789.75 and 155 monthly payments of £946.79.

The total amount payable would be £168,885 made up of the loan amount plus interest (£66,496), arrangement fee (£1,999), valuation fee (£260), 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.03%5.03%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.03% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £792.36 and 155 monthly payments of £947.17.

The total amount payable would be £167,749 made up of the loan amount plus interest (£66,620), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.03%5.03%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.03% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £792.36 and 155 monthly payments of £947.17.

The total amount payable would be £168,009 made up of the loan amount plus interest (£66,620), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.43%5.43%7.7% APRC7.7% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £813.37 and 155 monthly payments of £950.16.

The total amount payable would be £167,739 made up of the loan amount plus interest (£67,609), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.43%5.43%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £813.37 and 155 monthly payments of £950.16.

The total amount payable would be £167,999 made up of the loan amount plus interest (£67,609), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.43%5.43%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £813.37 and 155 monthly payments of £950.16.

The total amount payable would be £168,738 made up of the loan amount plus interest (£67,609), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.83%5.83%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.83% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £834.70 and 155 monthly payments of £953.09.

The total amount payable would be £168,726 made up of the loan amount plus interest (£68,596), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.48%5.48%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.48% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £816.02 and 155 monthly payments of £950.53.

The total amount payable would be £168,862 made up of the loan amount plus interest (£67,733), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.88%5.88%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £837.39 and 155 monthly payments of £953.45.

The total amount payable would be £168,850 made up of the loan amount plus interest (£68,720), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

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2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£0.1m – £750k4.85%4.85%7.8% APRC7.8% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.85% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £783.00 and 155 monthly payments of £945.80.

The total amount payable would be £168,303 made up of the loan amount plus interest (£66,174), arrangement fee (£1,999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.85%4.85%7.9% APRC7.9% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.85% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £783.00 and 155 monthly payments of £945.80.

The total amount payable would be £168,563 made up of the loan amount plus interest (£66,174), arrangement fee (£1,999), valuation fee (£260), 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k4.90%4.90%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.90% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £785.59 and 155 monthly payments of £946.18.

The total amount payable would be £167,427 made up of the loan amount plus interest (£66,298), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m4.90%4.90%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.90% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £785.59 and 155 monthly payments of £946.18.

The total amount payable would be £167,687 made up of the loan amount plus interest (£66,298), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 60%Up to 60%£20k – £750k5.30%5.30%7.6% APRC7.6% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.30% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £806.51 and 155 monthly payments of £949.19.

The total amount payable would be £167,417 made up of the loan amount plus interest (£67,287), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.6% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.30%5.30%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.30% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £806.51 and 155 monthly payments of £949.19.

The total amount payable would be £167,677 made up of the loan amount plus interest (£67,287), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£0.1m – £750k4.98%4.98%7.9% APRC7.9% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £789.75 and 155 monthly payments of £946.79.

The total amount payable would be £168,625 made up of the loan amount plus interest (£66,496), arrangement fee (£1,999), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m4.98%4.98%7.9% APRC7.9% APRC8.24%£1,999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £789.75 and 155 monthly payments of £946.79.

The total amount payable would be £168,885 made up of the loan amount plus interest (£66,496), arrangement fee (£1,999), valuation fee (£260), 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.03%5.03%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.03% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £792.36 and 155 monthly payments of £947.17.

The total amount payable would be £167,749 made up of the loan amount plus interest (£66,620), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.03%5.03%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.03% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £792.36 and 155 monthly payments of £947.17.

The total amount payable would be £168,009 made up of the loan amount plus interest (£66,620), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.43%5.43%7.7% APRC7.7% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £813.37 and 155 monthly payments of £950.16.

The total amount payable would be £167,739 made up of the loan amount plus interest (£67,609), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.43%5.43%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £813.37 and 155 monthly payments of £950.16.

The total amount payable would be £167,999 made up of the loan amount plus interest (£67,609), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.43%5.43%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £813.37 and 155 monthly payments of £950.16.

The total amount payable would be £168,738 made up of the loan amount plus interest (£67,609), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.83%5.83%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.83% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £834.70 and 155 monthly payments of £953.09.

The total amount payable would be £168,726 made up of the loan amount plus interest (£68,596), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.48%5.48%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.48% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £816.02 and 155 monthly payments of £950.53.

The total amount payable would be £168,862 made up of the loan amount plus interest (£67,733), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.88%5.88%7.8% APRC7.8% APRC8.24%No feeFind out
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £837.39 and 155 monthly payments of £953.45.

The total amount payable would be £168,850 made up of the loan amount plus interest (£68,720), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k5.15%5.15%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.15% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £798.63 and 155 monthly payments of £948.07.

The total amount payable would be £168,046 made up of the loan amount plus interest (£66,917), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.15%5.15%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.15% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £798.63 and 155 monthly payments of £948.07.

The total amount payable would be £168,306 made up of the loan amount plus interest (£66,917), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.28%5.28%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.28% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £805.46 and 155 monthly payments of £949.04.

The total amount payable would be £168,367 made up of the loan amount plus interest (£67,238), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.28%5.28%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.28% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £805.46 and 155 monthly payments of £949.04.

The total amount payable would be £168,627 made up of the loan amount plus interest (£67,238), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£20k – £750k5.15%5.15%7.7% APRC7.7% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.15% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £798.63 and 155 monthly payments of £948.07.

The total amount payable would be £168,046 made up of the loan amount plus interest (£66,917), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 60%Up to 60%£750,010 – £2m5.15%5.15%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.15% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £798.63 and 155 monthly payments of £948.07.

The total amount payable would be £168,306 made up of the loan amount plus interest (£66,917), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£20k – £750k5.28%5.28%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.28% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £805.46 and 155 monthly payments of £949.04.

The total amount payable would be £168,367 made up of the loan amount plus interest (£67,238), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.28%5.28%7.8% APRC7.8% APRC8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 years initially on this fixed rate product until 1st July 2026 at 5.28% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £805.46 and 155 monthly payments of £949.04.

The total amount payable would be £168,627 made up of the loan amount plus interest (£67,238), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.39%5.39%8.0% APRC8.0% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £931.99.

The total amount payable would be £275,855 made up of the loan amount plus interest (£154,726), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.39%5.39%8.0% APRC8.0% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £931.99.

The total amount payable would be £276,115 made up of the loan amount plus interest (£154,726), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.54%5.54%8.1% APRC8.1% APRC2.70%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £739.77 and 276 monthly payments of £932.81.

The total amount payable would be £276,339 made up of the loan amount plus interest (£155,210), 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.35.

The total amount payable would be £276,661 made up of the loan amount plus interest (£155,532), 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.39%5.39%8.0% APRC8.0% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £931.99.

The total amount payable would be £275,855 made up of the loan amount plus interest (£154,726), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.39%5.39%8.0% APRC8.0% APRC2.85%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £931.99.

The total amount payable would be £276,115 made up of the loan amount plus interest (£154,726), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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.

Send enquiry
Up to 85%Up to 85%£20k – £750k5.54%5.54%8.1% APRC8.1% APRC2.70%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £739.77 and 276 monthly payments of £932.81.

The total amount payable would be £276,339 made up of the loan amount plus interest (£155,210), 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.

Send enquiry
Up to 90%Up to 90%£20k – £450k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.35.

The total amount payable would be £276,661 made up of the loan amount plus interest (£155,532), 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.35.

The total amount payable would be £276,661 made up of the loan amount plus interest (£155,532), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.35.

The total amount payable would be £276,921 made up of the loan amount plus interest (£155,532), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£20k – £750k5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated. To know what standard legals do not cover, check the important information below
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.35.

The total amount payable would be £276,661 made up of the loan amount plus interest (£155,532), 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.

Send enquiry
Up to 75%Up to 75%£750,010 – £2m5.64%5.64%8.1% APRC8.1% APRC2.60%8.24%£999Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.35.

The total amount payable would be £276,921 made up of the loan amount plus interest (£155,532), arrangement fee (£999), valuation fee (£260), 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.49%4.49%6.5% APRC6.5% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £219.63 and 155 monthly payments of £270.93.

The total amount payable would be £55,697 made up of the loan amount plus interest (£22,892), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.5% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.61%4.61%6.6% APRC6.6% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £221.70 and 155 monthly payments of £271.57.

The total amount payable would be £55,922 made up of the loan amount plus interest (£23,117), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.6% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k4.67%4.67%6.6% APRC6.6% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £222.74 and 155 monthly payments of £271.88.

The total amount payable would be £56,034 made up of the loan amount plus interest (£23,229), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.6% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k4.88%4.88%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £226.39 and 155 monthly payments of £272.98.

The total amount payable would be £56,427 made up of the loan amount plus interest (£23,622), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.49%4.49%6.5% APRC6.5% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £219.63 and 155 monthly payments of £270.93.

The total amount payable would be £55,697 made up of the loan amount plus interest (£22,892), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.5% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.61%4.61%6.6% APRC6.6% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £221.70 and 155 monthly payments of £271.57.

The total amount payable would be £55,922 made up of the loan amount plus interest (£23,117), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.6% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k4.67%4.67%6.6% APRC6.6% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £222.74 and 155 monthly payments of £271.88.

The total amount payable would be £56,034 made up of the loan amount plus interest (£23,229), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.6% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k4.88%4.88%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £226.39 and 155 monthly payments of £272.98.

The total amount payable would be £56,427 made up of the loan amount plus interest (£23,622), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.74%4.74%6.6% APRC6.6% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £223.95 and 155 monthly payments of £272.25.

The total amount payable would be £56,165 made up of the loan amount plus interest (£23,360), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.6% 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.

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Up to 75%Up to 75%£10k – £2m4.86%4.86%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £226.04 and 155 monthly payments of £272.87.

The total amount payable would be £56,388 made up of the loan amount plus interest (£23,583), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.74%4.74%6.6% APRC6.6% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £223.95 and 155 monthly payments of £272.25.

The total amount payable would be £56,165 made up of the loan amount plus interest (£23,360), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.6% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.86%4.86%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £226.04 and 155 monthly payments of £272.87.

The total amount payable would be £56,388 made up of the loan amount plus interest (£23,583), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.87%4.87%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £226.21 and 191 monthly payments of £282.64.

The total amount payable would be £59,944 made up of the loan amount plus interest (£27,139), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.96%4.96%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £227.78 and 191 monthly payments of £282.83.

The total amount payable would be £60,020 made up of the loan amount plus interest (£27,215), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k5.11%5.11%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £230.42 and 191 monthly payments of £283.15.

The total amount payable would be £60,147 made up of the loan amount plus interest (£27,342), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k5.23%5.23%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £232.54 and 191 monthly payments of £283.40.

The total amount payable would be £60,248 made up of the loan amount plus interest (£27,443), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.87%4.87%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £226.21 and 191 monthly payments of £282.64.

The total amount payable would be £59,944 made up of the loan amount plus interest (£27,139), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.96%4.96%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £227.78 and 191 monthly payments of £282.83.

The total amount payable would be £60,020 made up of the loan amount plus interest (£27,215), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k5.11%5.11%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £230.42 and 191 monthly payments of £283.15.

The total amount payable would be £60,147 made up of the loan amount plus interest (£27,342), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k5.23%5.23%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £232.54 and 191 monthly payments of £283.40.

The total amount payable would be £60,248 made up of the loan amount plus interest (£27,443), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m5.12%5.12%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £230.60 and 191 monthly payments of £283.17.

The total amount payable would be £60,155 made up of the loan amount plus interest (£27,350), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m5.21%5.21%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £232.19 and 191 monthly payments of £283.36.

The total amount payable would be £60,232 made up of the loan amount plus interest (£27,427), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m5.12%5.12%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £230.60 and 191 monthly payments of £283.17.

The total amount payable would be £60,155 made up of the loan amount plus interest (£27,350), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m5.21%5.21%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £32,500 payable over 18 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £232.19 and 191 monthly payments of £283.36.

The total amount payable would be £60,232 made up of the loan amount plus interest (£27,427), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£10k – £2m5.39%5.39%7.9% APRC7.9% APRC2.85%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £235.39 and 192 monthly payments of £283.97.

The total amount payable would be £60,477 made up of the loan amount plus interest (£27,672), other lending fees (£195) 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k5.54%5.54%7.9% APRC7.9% APRC2.70%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £238.07 and 192 monthly payments of £284.27.

The total amount payable would be £60,599 made up of the loan amount plus interest (£27,794), other lending fees (£195) 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k5.64%5.64%7.9% APRC7.9% APRC2.60%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £239.87 and 192 monthly payments of £284.46.

The total amount payable would be £60,678 made up of the loan amount plus interest (£27,873), other lending fees (£195) 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£10k – £2m5.39%5.39%7.9% APRC7.9% APRC2.85%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £235.39 and 192 monthly payments of £283.97.

The total amount payable would be £60,477 made up of the loan amount plus interest (£27,672), other lending fees (£195) 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k5.54%5.54%7.9% APRC7.9% APRC2.70%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £238.07 and 192 monthly payments of £284.27.

The total amount payable would be £60,599 made up of the loan amount plus interest (£27,794), other lending fees (£195) 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k5.64%5.64%7.9% APRC7.9% APRC2.60%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £239.87 and 192 monthly payments of £284.46.

The total amount payable would be £60,678 made up of the loan amount plus interest (£27,873), other lending fees (£195) 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£10k – £2m5.64%5.64%7.9% APRC7.9% APRC2.60%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £239.87 and 192 monthly payments of £284.46.

The total amount payable would be £60,678 made up of the loan amount plus interest (£27,873), other lending fees (£195) 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.

Send enquiry
2 YEAR DISCOUNT VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the discount shown for the first 2 years, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonDiscount from SVRFollow on rateFee
Up to 75%Up to 75%£10k – £2m5.64%5.64%7.9% APRC7.9% APRC2.60%8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £239.87 and 192 monthly payments of £284.46.

The total amount payable would be £60,678 made up of the loan amount plus interest (£27,873), other lending fees (£195) 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.

Send enquiry
TRACKER VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate Overall cost for comparisonFollow on rateFee
Up to 75%Up to 75%£2,500 – £0.5m8.24%8.24%8.7% APRC8.7% APRC%£95Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Can repay lump sums without any early repayment charge - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge ( of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for years at 8.24% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 216 monthly payments of £289.10.

The total amount payable would be £62,846 made up of the loan amount plus interest (£29,946), arrangement fee (£95), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 8.7% 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.

Send enquiry
TRACKER VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate Overall cost for comparisonFollow on rateFee
Up to 75%Up to 75%£2,500 – £0.5m8.24%8.24%8.7% APRC8.7% APRC%£95Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Can repay lump sums without any early repayment charge - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge ( of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for years at 8.24% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 216 monthly payments of £289.10.

The total amount payable would be £62,846 made up of the loan amount plus interest (£29,946), arrangement fee (£95), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 8.7% 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.

Send enquiry
TRACKER VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate Overall cost for comparisonFollow on rateFee
Up to 90%Up to 90%£2,500 – £0.5m8.24%8.24%8.7% APRC8.7% APRC%£95Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Can repay lump sums without any early repayment charge - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge ( of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for years at 8.24% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 216 monthly payments of £289.10.

The total amount payable would be £62,846 made up of the loan amount plus interest (£29,946), arrangement fee (£95), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 8.7% 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.

Send enquiry
TRACKER VARIABLE RATE

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, followed by our SVR until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate Overall cost for comparisonFollow on rateFee
Up to 90%Up to 90%£2,500 – £0.5m8.24%8.24%8.7% APRC8.7% APRC%£95Find out
  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Can repay lump sums without any early repayment charge - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge ( of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for years at 8.24% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 216 monthly payments of £289.10.

The total amount payable would be £62,846 made up of the loan amount plus interest (£29,946), arrangement fee (£95), other lending fees (£195) and a repayment fee (£110).

The overall cost for comparison is 8.7% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.49%4.49%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £581.66 and 215 monthly payments of £764.85.

The total amount payable would be £200,034 made up of the loan amount plus interest (£99,924) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.61%4.61%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £588.36 and 215 monthly payments of £766.47.

The total amount payable would be £200,791 made up of the loan amount plus interest (£100,681) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k4.67%4.67%6.8% APRC6.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £591.72 and 215 monthly payments of £767.28.

The total amount payable would be £201,170 made up of the loan amount plus interest (£101,060) and a repayment fee (£110).

The overall cost for comparison is 6.8% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k4.88%4.88%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £603.58 and 215 monthly payments of £770.08.

The total amount payable would be £202,496 made up of the loan amount plus interest (£102,386) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 95%Up to 95%£10k – £450k5.13%5.13%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £617.85 and 215 monthly payments of £773.35.

The total amount payable would be £204,069 made up of the loan amount plus interest (£103,959) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.49%4.49%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £581.66 and 215 monthly payments of £764.85.

The total amount payable would be £200,034 made up of the loan amount plus interest (£99,924) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.61%4.61%6.7% APRC6.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £588.36 and 215 monthly payments of £766.47.

The total amount payable would be £200,791 made up of the loan amount plus interest (£100,681) and a repayment fee (£110).

The overall cost for comparison is 6.7% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k4.67%4.67%6.8% APRC6.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £591.72 and 215 monthly payments of £767.28.

The total amount payable would be £201,170 made up of the loan amount plus interest (£101,060) and a repayment fee (£110).

The overall cost for comparison is 6.8% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k4.88%4.88%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £603.58 and 215 monthly payments of £770.08.

The total amount payable would be £202,496 made up of the loan amount plus interest (£102,386) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
Up to 95%Up to 95%£10k – £450k5.13%5.13%7.0% APRC7.0% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £617.85 and 215 monthly payments of £773.35.

The total amount payable would be £204,069 made up of the loan amount plus interest (£103,959) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.74%4.74%6.8% APRC6.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £595.66 and 215 monthly payments of £768.22.

The total amount payable would be £201,613 made up of the loan amount plus interest (£101,503) and a repayment fee (£110).

The overall cost for comparison is 6.8% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.86%4.86%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £602.44 and 215 monthly payments of £769.82.

The total amount payable would be £202,370 made up of the loan amount plus interest (£102,260) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
5 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 5 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.74%4.74%6.8% APRC6.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £595.66 and 215 monthly payments of £768.22.

The total amount payable would be £201,613 made up of the loan amount plus interest (£101,503) and a repayment fee (£110).

The overall cost for comparison is 6.8% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.86%4.86%6.9% APRC6.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £602.44 and 215 monthly payments of £769.82.

The total amount payable would be £202,370 made up of the loan amount plus interest (£102,260) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.87%4.87%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £603.01 and 251 monthly payments of £793.51.

The total amount payable would be £214,356 made up of the loan amount plus interest (£114,246) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.96%4.96%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £608.13 and 251 monthly payments of £793.99.

The total amount payable would be £214,605 made up of the loan amount plus interest (£114,495) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k5.11%5.11%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £616.70 and 251 monthly payments of £794.79.

The total amount payable would be £215,020 made up of the loan amount plus interest (£114,910) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k5.23%5.23%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £623.61 and 251 monthly payments of £795.42.

The total amount payable would be £215,351 made up of the loan amount plus interest (£115,241) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 95%Up to 95%£10k – £450k5.58%5.58%7.9% APRC7.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £643.97 and 251 monthly payments of £797.22.

The total amount payable would be £216,311 made up of the loan amount plus interest (£116,201) 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m4.87%4.87%7.7% APRC7.7% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £603.01 and 251 monthly payments of £793.51.

The total amount payable would be £214,356 made up of the loan amount plus interest (£114,246) and a repayment fee (£110).

The overall cost for comparison is 7.7% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m4.96%4.96%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £608.13 and 251 monthly payments of £793.99.

The total amount payable would be £214,605 made up of the loan amount plus interest (£114,495) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 85%Up to 85%£10k – £750k5.11%5.11%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £616.70 and 251 monthly payments of £794.79.

The total amount payable would be £215,020 made up of the loan amount plus interest (£114,910) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 90%Up to 90%£10k – £450k5.23%5.23%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £623.61 and 251 monthly payments of £795.42.

The total amount payable would be £215,351 made up of the loan amount plus interest (£115,241) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 95%Up to 95%£10k – £450k5.58%5.58%7.9% APRC7.9% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £643.97 and 251 monthly payments of £797.22.

The total amount payable would be £216,311 made up of the loan amount plus interest (£116,201) 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m5.12%5.12%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £617.27 and 251 monthly payments of £794.85.

The total amount payable would be £215,049 made up of the loan amount plus interest (£114,939) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%Up to 75%£10k – £2m5.21%5.21%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £622.45 and 251 monthly payments of £795.32.

The total amount payable would be £215,297 made up of the loan amount plus interest (£115,187) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
2 YEAR FIXED RATE

Your interest rate is fixed at the rate shown until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

Loan To ValueLoan AmountInitial interest rate for 2 yearsOverall cost for comparisonFollow on rateFee
Up to 60%Up to 60%£10k – £2m5.12%5.12%7.8% APRC7.8% APRC8.24%No feeFind out
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
  • 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 £100,000 payable over 23 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £617.27 and 251 monthly payments of £794.85.

The total amount payable would be £215,049 made up of the loan amount plus interest (£114,939) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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.

Send enquiry
Up to 75%