Did you know that, if you have a residential mortgage with us, you could borrow up to 90% of the value of your home?
You could use the extra money to help with home improvements or a one-off purchase such as a dream holiday or new car.
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.
Use our mortgage product selector to compare our latest mortgage deals
Our operating area is:
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £235.39 and 192 monthly payments of £284.00.
The total amount payable would be £60,482 made up of the loan amount plus interest (£27,677), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £235.39 and 192 monthly payments of £284.00.
The total amount payable would be £60,482 made up of the loan amount plus interest (£27,677), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £238.07 and 192 monthly payments of £284.30.
The total amount payable would be £60,604 made up of the loan amount plus interest (£27,799), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £238.07 and 192 monthly payments of £284.30.
The total amount payable would be £60,604 made up of the loan amount plus interest (£27,799), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £239.87 and 192 monthly payments of £284.49.
The total amount payable would be £60,684 made up of the loan amount plus interest (£27,879), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £239.87 and 192 monthly payments of £284.49.
The total amount payable would be £60,684 made up of the loan amount plus interest (£27,879), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £226.04 and 191 monthly payments of £282.68.
The total amount payable would be £59,948 made up of the loan amount plus interest (£27,143), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.7% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £226.04 and 191 monthly payments of £282.68.
The total amount payable would be £59,948 made up of the loan amount plus interest (£27,143), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.7% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.22% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2026 at 5.22% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £232.36 and 191 monthly payments of £283.45.
The total amount payable would be £60,253 made up of the loan amount plus interest (£27,448), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.8% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.22% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2026 at 5.22% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £232.36 and 191 monthly payments of £283.45.
The total amount payable would be £60,253 made up of the loan amount plus interest (£27,448), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.8% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.38% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2026 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £235.21 and 191 monthly payments of £283.78.
The total amount payable would be £60,387 made up of the loan amount plus interest (£27,582), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.8% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 5.38% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2026 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £235.21 and 191 monthly payments of £283.78.
The total amount payable would be £60,387 made up of the loan amount plus interest (£27,582), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 7.8% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £221.18 and 155 monthly payments of £271.46.
The total amount payable would be £55,873 made up of the loan amount plus interest (£23,068), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 6.5% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £221.18 and 155 monthly payments of £271.46.
The total amount payable would be £55,873 made up of the loan amount plus interest (£23,068), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 6.5% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.75% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £224.12 and 155 monthly payments of £272.36.
The total amount payable would be £56,192 made up of the loan amount plus interest (£23,387), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 6.6% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.75% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £224.12 and 155 monthly payments of £272.36.
The total amount payable would be £56,192 made up of the loan amount plus interest (£23,387), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 6.6% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.91% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £226.91 and 155 monthly payments of £273.19.
The total amount payable would be £56,491 made up of the loan amount plus interest (£23,686), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 6.7% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
Your interest rate is fixed at 4.91% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £32,500 payable over 18 years initially on this fixed rate product until 1st February 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £226.91 and 155 monthly payments of £273.19.
The total amount payable would be £56,491 made up of the loan amount plus interest (£23,686), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 6.7% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
You will pay our Standard Variable Rate (SVR), currently 8.24%, for the term of the further borrowing.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for years at 8.24% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 216 monthly payments of £289.10.
The total amount payable would be £62,846 made up of the loan amount plus interest (£29,946), arrangement fee (£95), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 8.7% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
You will pay our Standard Variable Rate (SVR), currently 8.24%, for the term of the further borrowing.
A mortgage of £32,500 payable over 18 years initially on this variable rate product for years at 8.24% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 216 monthly payments of £289.10.
The total amount payable would be £62,846 made up of the loan amount plus interest (£29,946), arrangement fee (£95), other lending fees (£195) and a repayment fee (£110).
The overall cost for comparison is 8.7% APRC representative.
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
If you are looking to borrow more please request a call back and one of our colleagues will be in touch within 3 working days.
£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.