Looking to make home improvements?

If you have a residential mortgage with us you could borrow up to 90% of the value of your home.
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Borrowing more

Did you know that, if you have a residential mortgage with us, you could borrow up to 90% of the value of your home?

You could use the extra money to help with home improvements or a one-off purchase such as a dream holiday or new car.

  • The minimum you can apply for is £2,500.
  • The total of your existing loan and your new application must be no more than 90% of the value of your home.
  • The maximum amount you can borrow will depend on the purpose of the loan.

Use our product selector below to get an idea about how much your additional borrowing monthly payments could be, or get in touch to chat through your specific needs.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Our latest 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.

Fixed RateVariable Rate
RepaymentInterest Only
These products are available for a £120,000 mortgage with a 75% loan to value (LTV)
5 YEAR FIXED RATE
4.49%
Initial Interest Rate
6.5% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.49% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.49%
Initial Interest Rate
6.5% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.49% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.61%
Initial Interest Rate
6.6% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.61% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.61%
Initial Interest Rate
6.6% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.61% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.67%
Initial Interest Rate
6.6% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 4.67% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.67%
Initial Interest Rate
6.6% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 4.67% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.74%
Initial Interest Rate
6.6% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.74% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.74%
Initial Interest Rate
6.6% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.74% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.86%
Initial Interest Rate
6.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.86% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.86%
Initial Interest Rate
6.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.86% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
4.87%
Initial Interest Rate
7.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.87% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
4.87%
Initial Interest Rate
7.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.87% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.88%
Initial Interest Rate
6.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 4.88% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

5 YEAR FIXED RATE
4.88%
Initial Interest Rate
6.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 4.88% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
4.96%
Initial Interest Rate
7.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.96% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
4.96%
Initial Interest Rate
7.7% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.96% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.11% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.11% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.12%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 5.12% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.12%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 5.12% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.21%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.21% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.21%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.21% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.23%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.23% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR FIXED RATE
5.23%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.23% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding 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.

TRACKER VARIABLE RATE
8.24%
Initial Interest Rate
8.7% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 75%

You will pay our Standard Variable Rate (SVR), currently 8.24%, for the term of the further borrowing.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • 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.

TRACKER VARIABLE RATE
8.24%
Initial Interest Rate
8.7% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 75%

You will pay our Standard Variable Rate (SVR), currently 8.24%, for the term of the further borrowing.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • 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.

TRACKER VARIABLE RATE
8.24%
Initial Interest Rate
8.7% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 90%

You will pay our Standard Variable Rate (SVR), currently 8.24%, for the term of the further borrowing.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • 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.

TRACKER VARIABLE RATE
8.24%
Initial Interest Rate
8.7% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 90%

You will pay our Standard Variable Rate (SVR), currently 8.24%, for the term of the further borrowing.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
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  • 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.

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£100 cashback terms and conditions

New customers: Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process. Payable once per current account. Maximum one eligible current account per mortgage application. Existing customers: Your Cumberland current account must be funded with a minimum of £750 per month for the 3 successive months prior to your application.