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.

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

£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 VARIABLE RATE
0.83%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.26% 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 0.83% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £162.03 and 192 monthly payments of £206.94.

The total amount payable would be £45,925 made up of the loan amount plus interest (£11,121), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
0.83%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.26% 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 0.83% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £162.03 and 192 monthly payments of £206.94.

The total amount payable would be £45,925 made up of the loan amount plus interest (£11,121), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
0.88%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 0.88% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 0.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £162.75 and 190 monthly payments of £206.56.

The total amount payable would be £45,782 made up of the loan amount plus interest (£10,978), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
0.88%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 0.88% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 0.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £162.75 and 190 monthly payments of £206.56.

The total amount payable would be £45,782 made up of the loan amount plus interest (£10,978), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
0.98%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.11% 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 0.98% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £164.19 and 192 monthly payments of £207.23.

The total amount payable would be £46,033 made up of the loan amount plus interest (£11,229), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
0.98%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.11% 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 0.98% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £164.19 and 192 monthly payments of £207.23.

The total amount payable would be £46,033 made up of the loan amount plus interest (£11,229), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.02%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.07% 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 1.02% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £164.76 and 192 monthly payments of £207.31.

The total amount payable would be £45,062 made up of the loan amount plus interest (£11,258), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.02%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.07% 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 1.02% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £164.76 and 192 monthly payments of £207.31.

The total amount payable would be £45,062 made up of the loan amount plus interest (£11,258), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.03%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.03% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.03% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £164.91 and 190 monthly payments of £206.87.

The total amount payable would be £45,897 made up of the loan amount plus interest (£11,093), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.03%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.03% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.03% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £164.91 and 190 monthly payments of £206.87.

The total amount payable would be £45,897 made up of the loan amount plus interest (£11,093), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.07%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.07% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.07% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £165.48 and 190 monthly payments of £206.96.

The total amount payable would be £44,929 made up of the loan amount plus interest (£11,125), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.07%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.07% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.07% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £165.48 and 190 monthly payments of £206.96.

The total amount payable would be £44,929 made up of the loan amount plus interest (£11,125), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.12%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.97% 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 1.12% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £166.21 and 192 monthly payments of £207.51.

The total amount payable would be £45,135 made up of the loan amount plus interest (£11,331), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.0% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.12%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.97% 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 1.12% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £166.21 and 192 monthly payments of £207.51.

The total amount payable would be £45,135 made up of the loan amount plus interest (£11,331), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.0% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.23%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.86% 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 1.23% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £167.81 and 192 monthly payments of £207.72.

The total amount payable would be £45,214 made up of the loan amount plus interest (£11,410), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.0% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.23%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.86% 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 1.23% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £167.81 and 192 monthly payments of £207.72.

The total amount payable would be £45,214 made up of the loan amount plus interest (£11,410), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.0% 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.

2 YEAR FIXED RATE
1.28%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.28% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.28% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £168.54 and 190 monthly payments of £207.40.

The total amount payable would be £45,092 made up of the loan amount plus interest (£11,288), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.28%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.28% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.28% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £168.54 and 190 monthly payments of £207.40.

The total amount payable would be £45,092 made up of the loan amount plus interest (£11,288), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.29%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.29% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £168.69 and 154 monthly payments of £199.98.

The total amount payable would be £43,560 made up of the loan amount plus interest (£8,756), arrangement fee (£1,999) and other lending fees (£195).

The overall cost for comparison is 3.6% 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
1.29%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.29% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £168.69 and 154 monthly payments of £199.98.

The total amount payable would be £43,560 made up of the loan amount plus interest (£8,756), arrangement fee (£1,999) and other lending fees (£195).

The overall cost for comparison is 3.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.33%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.76% 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 1.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £169.27 and 192 monthly payments of £207.91.

The total amount payable would be £45,285 made up of the loan amount plus interest (£11,481), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.0% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.33%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.76% 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 1.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £169.27 and 192 monthly payments of £207.91.

The total amount payable would be £45,285 made up of the loan amount plus interest (£11,481), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.0% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.36%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.73% 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 1.36% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £169.72 and 192 monthly payments of £207.97.

The total amount payable would be £46,308 made up of the loan amount plus interest (£11,504), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.36%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.73% 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 1.36% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £169.72 and 192 monthly payments of £207.97.

The total amount payable would be £46,308 made up of the loan amount plus interest (£11,504), arrangement fee (£1,999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.37%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.37% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.37% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £169.86 and 154 monthly payments of £200.36.

The total amount payable would be £42,691 made up of the loan amount plus interest (£8,887), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
1.37%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.37% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.37% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £169.86 and 154 monthly payments of £200.36.

The total amount payable would be £42,691 made up of the loan amount plus interest (£8,887), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
1.41%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.41% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £170.45 and 190 monthly payments of £207.67.

The total amount payable would be £46,193 made up of the loan amount plus interest (£11,389), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.41%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.41% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £170.45 and 190 monthly payments of £207.67.

The total amount payable would be £46,193 made up of the loan amount plus interest (£11,389), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.43%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.66% 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 1.43% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £170.75 and 192 monthly payments of £208.10.

The total amount payable would be £44,358 made up of the loan amount plus interest (£11,553) and other lending fees (£195).

The overall cost for comparison is 3.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.43%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.66% 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 1.43% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £170.75 and 192 monthly payments of £208.10.

The total amount payable would be £44,358 made up of the loan amount plus interest (£11,553) and other lending fees (£195).

The overall cost for comparison is 3.6% 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.

2 YEAR FIXED RATE
1.48%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.48% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 1.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £171.49 and 190 monthly payments of £207.81.

The total amount payable would be £44,248 made up of the loan amount plus interest (£11,443) and other lending fees (£195).

The overall cost for comparison is 3.6% 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.

2 YEAR FIXED RATE
1.48%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.48% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 1.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £171.49 and 190 monthly payments of £207.81.

The total amount payable would be £44,248 made up of the loan amount plus interest (£11,443) and other lending fees (£195).

The overall cost for comparison is 3.6% 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
1.56%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.56% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £172.67 and 154 monthly payments of £201.27.

The total amount payable would be £44,005 made up of the loan amount plus interest (£9,201), arrangement fee (£1,999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.56%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.56% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £172.67 and 154 monthly payments of £201.27.

The total amount payable would be £44,005 made up of the loan amount plus interest (£9,201), arrangement fee (£1,999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.59%
Initial Interest Rate
2.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.59% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 1.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £173.12 and 154 monthly payments of £201.41.

The total amount payable would be £42,056 made up of the loan amount plus interest (£9,251) and other lending fees (£195).

The overall cost for comparison is 2.9% 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.

5 YEAR FIXED RATE
1.59%
Initial Interest Rate
2.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.59% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 1.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £173.12 and 154 monthly payments of £201.41.

The total amount payable would be £42,056 made up of the loan amount plus interest (£9,251) and other lending fees (£195).

The overall cost for comparison is 2.9% 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.

5 YEAR FIXED RATE
1.64%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.64% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.64% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £173.86 and 154 monthly payments of £201.66.

The total amount payable would be £43,139 made up of the loan amount plus interest (£9,335), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 3.3% 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.

5 YEAR FIXED RATE
1.64%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.64% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.64% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £173.86 and 154 monthly payments of £201.66.

The total amount payable would be £43,139 made up of the loan amount plus interest (£9,335), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 3.3% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.68%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.41% 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 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £174.46 and 192 monthly payments of £208.58.

The total amount payable would be £44,539 made up of the loan amount plus interest (£11,734) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.68%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.41% 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 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £174.46 and 192 monthly payments of £208.58.

The total amount payable would be £44,539 made up of the loan amount plus interest (£11,734) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.73%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.73% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 1.73% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £175.21 and 190 monthly payments of £208.32.

The total amount payable would be £44,441 made up of the loan amount plus interest (£11,636) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.73%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.73% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 1.73% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £175.21 and 190 monthly payments of £208.32.

The total amount payable would be £44,441 made up of the loan amount plus interest (£11,636) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.73%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.36% 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 1.73% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £175.21 and 192 monthly payments of £208.67.

The total amount payable would be £46,574 made up of the loan amount plus interest (£11,770), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.73%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.36% 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 1.73% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £175.21 and 192 monthly payments of £208.67.

The total amount payable would be £46,574 made up of the loan amount plus interest (£11,770), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.78%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.78% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.78% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £175.96 and 190 monthly payments of £208.42.

The total amount payable would be £46,479 made up of the loan amount plus interest (£11,675), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.78%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.78% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.78% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £175.96 and 190 monthly payments of £208.42.

The total amount payable would be £46,479 made up of the loan amount plus interest (£11,675), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.79%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.30% 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 1.79% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £176.11 and 192 monthly payments of £208.78.

The total amount payable would be £45,616 made up of the loan amount plus interest (£11,812), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.79%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.30% 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 1.79% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £176.11 and 192 monthly payments of £208.78.

The total amount payable would be £45,616 made up of the loan amount plus interest (£11,812), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.84%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.84% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £176.87 and 190 monthly payments of £208.55.

The total amount payable would be £45,527 made up of the loan amount plus interest (£11,723), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
1.84%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.84% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £176.87 and 190 monthly payments of £208.55.

The total amount payable would be £45,527 made up of the loan amount plus interest (£11,723), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.88%
Initial Interest Rate
3.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.88% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £177.47 and 154 monthly payments of £202.79.

The total amount payable would be £42,538 made up of the loan amount plus interest (£9,733) and other lending fees (£195).

The overall cost for comparison is 3.1% 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.

5 YEAR FIXED RATE
1.88%
Initial Interest Rate
3.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.88% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £177.47 and 154 monthly payments of £202.79.

The total amount payable would be £42,538 made up of the loan amount plus interest (£9,733) and other lending fees (£195).

The overall cost for comparison is 3.1% 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.

2 YEAR DISCOUNT VARIABLE RATE
1.89%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.20% 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 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £177.62 and 192 monthly payments of £208.97.

The total amount payable would be £45,689 made up of the loan amount plus interest (£11,885), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
1.89%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.20% 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 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £177.62 and 192 monthly payments of £208.97.

The total amount payable would be £45,689 made up of the loan amount plus interest (£11,885), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.91%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.91% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.91% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £177.93 and 154 monthly payments of £202.93.

The total amount payable would be £44,587 made up of the loan amount plus interest (£9,783), arrangement fee (£1,999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
1.91%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.91% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 1.91% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £177.93 and 154 monthly payments of £202.93.

The total amount payable would be £44,587 made up of the loan amount plus interest (£9,783), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.04%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.05% 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 2.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £179.90 and 192 monthly payments of £209.25.

The total amount payable would be £46,798 made up of the loan amount plus interest (£11,994), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.04%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.05% 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 2.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £179.90 and 192 monthly payments of £209.25.

The total amount payable would be £46,798 made up of the loan amount plus interest (£11,994), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.09%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.09% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £180.66 and 190 monthly payments of £209.05.

The total amount payable would be £46,721 made up of the loan amount plus interest (£11,917), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.09%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.09% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £180.66 and 190 monthly payments of £209.05.

The total amount payable would be £46,721 made up of the loan amount plus interest (£11,917), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.14%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.95% 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 2.14% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £181.43 and 192 monthly payments of £209.43.

The total amount payable would be £44,870 made up of the loan amount plus interest (£12,065) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.14%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.95% 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 2.14% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £181.43 and 192 monthly payments of £209.43.

The total amount payable would be £44,870 made up of the loan amount plus interest (£12,065) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.15%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.15% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 2.15% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £181.58 and 154 monthly payments of £204.06.

The total amount payable would be £43,987 made up of the loan amount plus interest (£10,183), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 3.6% 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
2.15%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.15% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 2.15% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £181.58 and 154 monthly payments of £204.06.

The total amount payable would be £43,987 made up of the loan amount plus interest (£10,183), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 3.6% 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
2.17%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.17% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 (5% before 2nd January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £181.89 and 154 monthly payments of £204.16.

The total amount payable would be £43,023 made up of the loan amount plus interest (£10,218) and other lending fees (£195).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
2.17%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.17% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 (5% before 2nd January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £181.89 and 154 monthly payments of £204.16.

The total amount payable would be £43,023 made up of the loan amount plus interest (£10,218) and other lending fees (£195).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
2.17%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.17% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 (5% before 2nd January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £181.89 and 154 monthly payments of £204.16.

The total amount payable would be £43,023 made up of the loan amount plus interest (£10,218) and other lending fees (£195).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
2.17%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.17% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 (5% before 2nd January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £181.89 and 154 monthly payments of £204.16.

The total amount payable would be £43,023 made up of the loan amount plus interest (£10,218) and other lending fees (£195).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.19% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £182.20 and 190 monthly payments of £209.25.

The total amount payable would be £44,800 made up of the loan amount plus interest (£11,995) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.19% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £182.20 and 190 monthly payments of £209.25.

The total amount payable would be £44,800 made up of the loan amount plus interest (£11,995) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.31%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.31% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £184.05 and 154 monthly payments of £204.81.

The total amount payable would be £43,257 made up of the loan amount plus interest (£10,452) and other lending fees (£195).

The overall cost for comparison is 3.3% 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.

5 YEAR FIXED RATE
2.31%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.31% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £184.05 and 154 monthly payments of £204.81.

The total amount payable would be £43,257 made up of the loan amount plus interest (£10,452) and other lending fees (£195).

The overall cost for comparison is 3.3% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.37%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.72% 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 2.37% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £184.98 and 192 monthly payments of £209.85.

The total amount payable would be £46,035 made up of the loan amount plus interest (£12,231), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.37%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.72% 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 2.37% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £184.98 and 192 monthly payments of £209.85.

The total amount payable would be £46,035 made up of the loan amount plus interest (£12,231), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.42%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.42% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 2.42% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £185.75 and 190 monthly payments of £209.70.

The total amount payable would be £45,977 made up of the loan amount plus interest (£12,173), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
2.42%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.42% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 2.42% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £185.75 and 190 monthly payments of £209.70.

The total amount payable would be £45,977 made up of the loan amount plus interest (£12,173), arrangement fee (£999) and other lending fees (£195).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.62% 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 2.47% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £186.53 and 192 monthly payments of £210.03.

The total amount payable would be £46,106 made up of the loan amount plus interest (£12,302), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.62% 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 2.47% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £186.53 and 192 monthly payments of £210.03.

The total amount payable would be £46,106 made up of the loan amount plus interest (£12,302), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.58%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.58% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 2.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £188.25 and 154 monthly payments of £206.06.

The total amount payable would be £45,709 made up of the loan amount plus interest (£10,905), arrangement fee (£1,999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.58%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.58% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 2.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £188.25 and 154 monthly payments of £206.06.

The total amount payable would be £45,709 made up of the loan amount plus interest (£10,905), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.65%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.44% 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 2.65% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £189.35 and 192 monthly payments of £210.35.

The total amount payable would be £45,237 made up of the loan amount plus interest (£12,432) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.65%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.44% 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 2.65% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £189.35 and 192 monthly payments of £210.35.

The total amount payable would be £45,237 made up of the loan amount plus interest (£12,432) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.66%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.66% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 2.66% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £189.51 and 154 monthly payments of £206.43.

The total amount payable would be £44,844 made up of the loan amount plus interest (£11,040), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.66%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.66% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 2.66% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £189.51 and 154 monthly payments of £206.43.

The total amount payable would be £44,844 made up of the loan amount plus interest (£11,040), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.70%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.70% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 2.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £190.14 and 190 monthly payments of £210.24.

The total amount payable would be £45,194 made up of the loan amount plus interest (£12,389) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.70%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.70% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 2.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £190.14 and 190 monthly payments of £210.24.

The total amount payable would be £45,194 made up of the loan amount plus interest (£12,389) and other lending fees (£195).

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.

5 YEAR FIXED RATE
2.80%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.80% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £191.72 and 154 monthly payments of £207.07.

The total amount payable would be £44,080 made up of the loan amount plus interest (£11,275) and other lending fees (£195).

The overall cost for comparison is 3.6% 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
2.80%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.80% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 2.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £191.72 and 154 monthly payments of £207.07.

The total amount payable would be £44,080 made up of the loan amount plus interest (£11,275) and other lending fees (£195).

The overall cost for comparison is 3.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.94%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.15% 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 2.94% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £193.95 and 192 monthly payments of £210.86.

The total amount payable would be £46,444 made up of the loan amount plus interest (£12,640), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
2.94%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.15% 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 2.94% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £193.95 and 192 monthly payments of £210.86.

The total amount payable would be £46,444 made up of the loan amount plus interest (£12,640), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.99%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.99% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 2.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £194.75 and 190 monthly payments of £210.80.

The total amount payable would be £46,420 made up of the loan amount plus interest (£12,616), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
2.99%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.99% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
  • 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 January 2024 at 2.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £194.75 and 190 monthly payments of £210.80.

The total amount payable would be £46,420 made up of the loan amount plus interest (£12,616), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
3.04%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.05% 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 3.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £195.55 and 192 monthly payments of £211.04.

The total amount payable would be £46,517 made up of the loan amount plus interest (£12,713), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
3.04%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.05% 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 3.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £195.55 and 192 monthly payments of £211.04.

The total amount payable would be £46,517 made up of the loan amount plus interest (£12,713), arrangement fee (£999) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
3.22%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.87% 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 3.22% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £198.45 and 192 monthly payments of £211.35.

The total amount payable would be £45,647 made up of the loan amount plus interest (£12,842) and other lending fees (£195).

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.

2 YEAR DISCOUNT VARIABLE RATE
3.22%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.87% 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 3.22% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £198.45 and 192 monthly payments of £211.35.

The total amount payable would be £45,647 made up of the loan amount plus interest (£12,842) and other lending fees (£195).

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.

5 YEAR FIXED RATE
3.27%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 3.27% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 3.27% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £199.26 and 154 monthly payments of £209.20.

The total amount payable would be £46,875 made up of the loan amount plus interest (£12,071), arrangement fee (£1,999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
3.27%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 3.27% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 3.27% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £199.26 and 154 monthly payments of £209.20.

The total amount payable would be £46,875 made up of the loan amount plus interest (£12,071), arrangement fee (£1,999) and other lending fees (£195).

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.

2 YEAR FIXED RATE
3.27%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.27% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 3.27% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £199.26 and 190 monthly payments of £211.32.

The total amount payable would be £45,637 made up of the loan amount plus interest (£12,832) and other lending fees (£195).

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.

2 YEAR FIXED RATE
3.27%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.27% until 1st January 2024, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023 and 1% before 2nd January 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2024
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2024 at 3.27% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £199.26 and 190 monthly payments of £211.32.

The total amount payable would be £45,637 made up of the loan amount plus interest (£12,832) and other lending fees (£195).

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.

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 3.33% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £200.24 and 154 monthly payments of £209.47.

The total amount payable would be £45,977 made up of the loan amount plus interest (£12,173), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 3.33% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
  • 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 January 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £200.24 and 154 monthly payments of £209.47.

The total amount payable would be £45,977 made up of the loan amount plus interest (£12,173), arrangement fee (£999) and other lending fees (£195).

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.

5 YEAR FIXED RATE
3.48%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.48% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 3.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £202.69 and 154 monthly payments of £210.14.

The total amount payable would be £45,233 made up of the loan amount plus interest (£12,428) and other lending fees (£195).

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.

5 YEAR FIXED RATE
3.48%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.48% until 1st January 2027, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 January 2023, 4% before 2nd January 2024, 3% before 2nd January 2025, 2% before 2nd January 2026 and 1% before 2nd January 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2027
Representative Example:

A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st January 2027 at 3.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £202.69 and 154 monthly payments of £210.14.

The total amount payable would be £45,233 made up of the loan amount plus interest (£12,428) and other lending fees (£195).

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.

TRACKER VARIABLE RATE
4.09%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 90%

You will pay our Standard Variable Rate (SVR), currently 4.09%, 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 4.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 216 monthly payments of £212.83.

The total amount payable would be £46,371 made up of the loan amount plus interest (£13,471), arrangement fee (£95) and other lending fees (£195).

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.

TRACKER VARIABLE RATE
4.09%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Arrangement Fee
£95
Loan To Value
Up to 90%

You will pay our Standard Variable Rate (SVR), currently 4.09%, 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 4.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 216 monthly payments of £212.83.

The total amount payable would be £46,371 made up of the loan amount plus interest (£13,471), arrangement fee (£95) and other lending fees (£195).

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.

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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.