Following the Bank of England base rate changes, we will be reducing our residential and commercial standard variable rates. Read more →

Looking to borrow more on your mortgage?
If you’ve got your mortgage with us, you may be able to borrow more for home improvements, a dream holiday or a new car.
Mortgage options

Borrowing more

Did you know that, if you have a residential mortgage with us, you could borrow up to 95% 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 95% 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.

Our latest deals

Use our mortgage product selector to compare our latest mortgage deals

£100,000
£20,000
20 Years
£20,000
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT RATE
1.68%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.06% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • 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 2 years at 1.68% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £174.46 and 192 monthly payments of £218.41.

The total amount payable would be £48,421 made up of the loan amount plus interest (£13,622), arrangement fee (£1,999) and other lending fees (£125).

The overall cost for comparison is 5.0% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.68%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.06% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • 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 2 years at 1.68% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £174.46 and 192 monthly payments of £218.41.

The total amount payable would be £48,421 made up of the loan amount plus interest (£13,622), arrangement fee (£1,999) and other lending fees (£125).

The overall cost for comparison is 5.0% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.76%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.98% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • 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 2 years at 1.76% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £175.66 and 192 monthly payments of £218.57.

The total amount payable would be £47,480 made up of the loan amount plus interest (£13,681), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.6% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.76%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.98% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • 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 2 years at 1.76% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £175.66 and 192 monthly payments of £218.57.

The total amount payable would be £47,480 made up of the loan amount plus interest (£13,681), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.6% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.86%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.88% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 1% 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 £32,500 payable over 18 years initially on this variable rate product for 2 years at 1.86% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £177.17 and 192 monthly payments of £218.76.

The total amount payable would be £47,553 made up of the loan amount plus interest (£13,754), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.6% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.86%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.88% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 1% 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 £32,500 payable over 18 years initially on this variable rate product for 2 years at 1.86% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £177.17 and 192 monthly payments of £218.76.

The total amount payable would be £47,553 made up of the loan amount plus interest (£13,754), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.6% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.86%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.88% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • 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 2 years at 1.86% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £177.17 and 192 monthly payments of £218.76.

The total amount payable would be £47,553 made up of the loan amount plus interest (£13,754), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.6% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.86%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.88% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • 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 2 years at 1.86% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £177.17 and 192 monthly payments of £218.76.

The total amount payable would be £47,553 made up of the loan amount plus interest (£13,754), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.6% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
1.96%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.78% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 1% 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 £32,500 payable over 18 years initially on this variable rate product for 2 years at 1.96% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £178.68 and 192 monthly payments of £218.96.

The total amount payable would be £47,628 made up of the loan amount plus interest (£13,829), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.96%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.78% for the first 2 years, followed by our SVR until the end of the mortgage.

  • 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)
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 1% 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 £32,500 payable over 18 years initially on this variable rate product for 2 years at 1.96% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £178.68 and 192 monthly payments of £218.96.

The total amount payable would be £47,628 made up of the loan amount plus interest (£13,829), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.29%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.45% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 2.29% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £183.74 and 192 monthly payments of £219.60.

The total amount payable would be £46,873 made up of the loan amount plus interest (£14,073) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.29%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.45% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 2.29% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £183.74 and 192 monthly payments of £219.60.

The total amount payable would be £46,873 made up of the loan amount plus interest (£14,073) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.39%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.35% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 2.39% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £185.29 and 192 monthly payments of £219.79.

The total amount payable would be £46,947 made up of the loan amount plus interest (£14,147) and other lending fees (£125).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.39%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.35% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 2.39% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £185.29 and 192 monthly payments of £219.79.

The total amount payable would be £46,947 made up of the loan amount plus interest (£14,147) and other lending fees (£125).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
3.19%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.55% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 3.19% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £197.97 and 192 monthly payments of £221.27.

The total amount payable would be £47,535 made up of the loan amount plus interest (£14,735) and other lending fees (£125).

The overall cost for comparison is 4.5% 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.

Book An Appointment
2 YEAR DISCOUNT RATE
3.19%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.55% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £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)
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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 3.19% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £197.97 and 192 monthly payments of £221.27.

The total amount payable would be £47,535 made up of the loan amount plus interest (£14,735) and other lending fees (£125).

The overall cost for comparison is 4.5% 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.

Book An Appointment
2 YEAR FIXED RATE
1.38%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.38% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.38% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £170.01 and 192 monthly payments of £217.81.

The total amount payable would be £48,199 made up of the loan amount plus interest (£13,400), arrangement fee (£1,999) and other lending fees (£125).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.38%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.38% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.38% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £170.01 and 192 monthly payments of £217.81.

The total amount payable would be £48,199 made up of the loan amount plus interest (£13,400), arrangement fee (£1,999) and other lending fees (£125).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.46%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.46% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.46% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £171.19 and 192 monthly payments of £217.97.

The total amount payable would be £47,258 made up of the loan amount plus interest (£13,459), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.5% 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.

Book An Appointment
2 YEAR FIXED RATE
1.46%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.46% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.46% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £171.19 and 192 monthly payments of £217.97.

The total amount payable would be £47,258 made up of the loan amount plus interest (£13,459), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 4.5% 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.

Book An Appointment
2 YEAR FIXED RATE
1.56%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.56% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £172.67 and 192 monthly payments of £218.17.

The total amount payable would be £47,582 made up of the loan amount plus interest (£13,533), arrangement fee (£1,249) and other lending fees (£125).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.56%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.56% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £172.67 and 192 monthly payments of £218.17.

The total amount payable would be £47,582 made up of the loan amount plus interest (£13,533), arrangement fee (£1,249) and other lending fees (£125).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.99%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 1.99% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.99% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £179.14 and 192 monthly payments of £219.02.

The total amount payable would be £46,700 made up of the loan amount plus interest (£13,851), arrangement fee (£49) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.99%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 1.99% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 1.99% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £179.14 and 192 monthly payments of £219.02.

The total amount payable would be £46,700 made up of the loan amount plus interest (£13,851), arrangement fee (£49) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.09%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.09% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £180.66 and 192 monthly payments of £219.21.

The total amount payable would be £46,773 made up of the loan amount plus interest (£13,924), arrangement fee (£49) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.09%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.09% until 1st April 2022, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021 and 1% before 2nd April 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2022
  • 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 fixed rate product until 1st April 2022 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £180.66 and 192 monthly payments of £219.21.

The total amount payable would be £46,773 made up of the loan amount plus interest (£13,924), arrangement fee (£49) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
1.70%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.70% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £174.76 and 156 monthly payments of £210.21.

The total amount payable would be £45,577 made up of the loan amount plus interest (£10,778), arrangement fee (£1,999) and other lending fees (£125).

The overall cost for comparison is 4.1% 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.

Book An Appointment
5 YEAR FIXED RATE
1.70%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.70% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £174.76 and 156 monthly payments of £210.21.

The total amount payable would be £45,577 made up of the loan amount plus interest (£10,778), arrangement fee (£1,999) and other lending fees (£125).

The overall cost for comparison is 4.1% 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.

Book An Appointment
5 YEAR FIXED RATE
1.78%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.78% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 1.78% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £175.96 and 156 monthly payments of £210.59.

The total amount payable would be £44,709 made up of the loan amount plus interest (£10,910), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 3.8% 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.

Book An Appointment
5 YEAR FIXED RATE
1.78%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.78% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 1.78% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £175.96 and 156 monthly payments of £210.59.

The total amount payable would be £44,709 made up of the loan amount plus interest (£10,910), arrangement fee (£999) and other lending fees (£125).

The overall cost for comparison is 3.8% 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.

Book An Appointment
5 YEAR FIXED RATE
1.88%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.88% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £177.47 and 156 monthly payments of £211.07.

The total amount payable would be £45,124 made up of the loan amount plus interest (£11,075), arrangement fee (£1,249) and other lending fees (£125).

The overall cost for comparison is 3.9% 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.

Book An Appointment
5 YEAR FIXED RATE
1.88%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.88% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £177.47 and 156 monthly payments of £211.07.

The total amount payable would be £45,124 made up of the loan amount plus interest (£11,075), arrangement fee (£1,249) and other lending fees (£125).

The overall cost for comparison is 3.9% 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.

Book An Appointment
5 YEAR FIXED RATE
2.31%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.31% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £184.05 and 156 monthly payments of £213.10.

The total amount payable would be £44,636 made up of the loan amount plus interest (£11,787), arrangement fee (£49) and other lending fees (£125).

The overall cost for comparison is 3.7% 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.

Book An Appointment
5 YEAR FIXED RATE
2.31%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.31% until 1st April 2025, followed by our Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • 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)
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 April 2021, 4% before 2nd April 2022, 3% before 2nd April 2023, 2% before 2nd April 2024 and 1% before 2nd April 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2025
  • 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 fixed rate product until 1st April 2025 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £184.05 and 156 monthly payments of £213.10.

The total amount payable would be £44,636 made up of the loan amount plus interest (£11,787), arrangement fee (£49) and other lending fees (£125).

The overall cost for comparison is 3.7% 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.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • This deal is only available if your current mortgage is an Offset 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • 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 the term of the mortgage at 3.29%, would require 216 monthly payments of £199.59.

The total amount payable would be £44,206 made up of the loan amount plus interest (£10,611), arrangement fee (£795) and other lending fees (£125).

The overall cost for comparison is 3.7% 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.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • This deal is only available if your current mortgage is an Offset 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • 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 the term of the mortgage at 3.29%, would require 216 monthly payments of £199.59.

The total amount payable would be £44,206 made up of the loan amount plus interest (£10,611), arrangement fee (£795) and other lending fees (£125).

The overall cost for comparison is 3.7% 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.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 50%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • This deal is only available if your current mortgage is an Offset 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • 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 the term of the mortgage at 3.29%, would require 216 monthly payments of £199.59.

The total amount payable would be £44,206 made up of the loan amount plus interest (£10,611), arrangement fee (£795) and other lending fees (£125).

The overall cost for comparison is 3.7% 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.

Book An Appointment
TRACKER RATE
4.74%
Initial Interest Rate
5.7% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 90%

You will pay our Standard Variable Rate (SVR), currently 4.74%, 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 £15,000 payable over 6 years initially on this variable rate product for years at 4.74% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 72 monthly payments of £239.77.

The total amount payable would be £17,658 made up of the loan amount plus interest (£2,263), arrangement fee (£95) and other lending fees (£125).

The overall cost for comparison is 5.7% 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.

Book An Appointment
TRACKER RATE
4.74%
Initial Interest Rate
5.7% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 90%

You will pay our Standard Variable Rate (SVR), currently 4.74%, 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 £15,000 payable over 6 years initially on this variable rate product for years at 4.74% and then on our Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 72 monthly payments of £239.77.

The total amount payable would be £17,658 made up of the loan amount plus interest (£2,263), arrangement fee (£95) and other lending fees (£125).

The overall cost for comparison is 5.7% 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.

Book An Appointment
Show all mortgage products
There are no products available which match the details you have entered.
Please get in touch to discuss your requirements.

Contact Us

To book a telephone appointment with one of our mortgage advisors please call us on 01228 403206.

£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.

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.