SWITCH TO A NEW BUY-TO-LET DEAL

If your Cumberland buy-to-let mortgage is approaching the end of its initial interest rate period, find out how you can move to a new deal
Arrange to meet us at your local branch. We're here 6 days a week
Book An Appointment
Your mortgage is secured on your property. Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.

CHOOSE THE RIGHT OPTION

We need to know whether we class you as a Professional or Non-Professional landlord

Professional Landlords Image
Professional Landlords
Do you own 4 or more mortgaged Buy To Let properties and/or derive income from letting that exceeds other sources of income?
Arrange To Speak To Us
We tailor our mortgage deals to suit your circumstances
Non-Professional Landlords Image
Non-Professional Landlords
Do you own 3 or fewer mortgaged Buy To Let properties?
View Deals
View our current mortgage deals now

NON-PROFESSIONAL LANDLORDS

Those who own up to 3 mortgaged Buy To Let properties.

Personal, Friendly Service
Our professionally qualified team of advisers will treat you as more than a number.
Benefits of Mutuality
We are run for the benefit of our members, so by having no shareholders to satisfy, you get great value products and services.

Our Current Deals

Please enter your requirements below to display the appropriate available deals beneath

£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT RATE
2.14%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, less the agreed discount of 3.26% for the first 2 years, followed by the BTL SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
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 KFI and mortgage offer
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.14% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 24 monthly payments of £459.09 and 252 monthly payments of £618.57.

The total amount payable would be £167,388 made up of the loan amount plus interest (£66,898), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.14%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, less the agreed discount of 3.26% for the first 2 years, followed by the BTL SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
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 KFI and mortgage offer
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.14% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 24 monthly payments of £459.09 and 252 monthly payments of £618.57.

The total amount payable would be £167,388 made up of the loan amount plus interest (£66,898), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.58%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, less the agreed discount of 2.82% for the first 2 years, followed by the BTL SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
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 KFI and mortgage offer
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.58% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 24 monthly payments of £480.77 and 252 monthly payments of £620.83.

The total amount payable would be £168,478 made up of the loan amount plus interest (£67,988), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 5.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.58%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, less the agreed discount of 2.82% for the first 2 years, followed by the BTL SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
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 KFI and mortgage offer
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.58% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 24 monthly payments of £480.77 and 252 monthly payments of £620.83.

The total amount payable would be £168,478 made up of the loan amount plus interest (£67,988), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 5.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.24%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 60%

Your interest rate is fixed at 2.24% until 1st October 2019, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd October 2019
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2019 at 2.24% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 27 monthly payments of £463.96 and 249 monthly payments of £617.31.

The total amount payable would be £166,727 made up of the loan amount plus interest (£66,237), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.24%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 60%

Your interest rate is fixed at 2.24% until 1st October 2019, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd October 2019
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2019 at 2.24% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 27 monthly payments of £463.96 and 249 monthly payments of £617.31.

The total amount payable would be £166,727 made up of the loan amount plus interest (£66,237), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.68%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 75%

Your interest rate is fixed at 2.68% until 1st October 2019, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd October 2019
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2019 at 2.68% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 27 monthly payments of £485.78 and 249 monthly payments of £619.82.

The total amount payable would be £167,941 made up of the loan amount plus interest (£67,451), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 5.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.68%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 75%

Your interest rate is fixed at 2.68% until 1st October 2019, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd October 2019
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2019 at 2.68% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 27 monthly payments of £485.78 and 249 monthly payments of £619.82.

The total amount payable would be £167,941 made up of the loan amount plus interest (£67,451), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 5.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
2.80%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 60%

Your interest rate is fixed at 2.80% until 1st August 2020, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd August 2020
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st August 2020 at 2.80% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 37 monthly payments of £491.83 and 239 monthly payments of £615.64.

The total amount payable would be £165,826 made up of the loan amount plus interest (£65,336), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.8% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
3 YEAR FIXED RATE
2.80%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 60%

Your interest rate is fixed at 2.80% until 1st August 2020, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd August 2020
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st August 2020 at 2.80% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 37 monthly payments of £491.83 and 239 monthly payments of £615.64.

The total amount payable would be £165,826 made up of the loan amount plus interest (£65,336), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.8% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
3 YEAR FIXED RATE
3.21%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 75%

Your interest rate is fixed at 3.21% until 1st August 2020, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd August 2020
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st August 2020 at 3.21% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 37 monthly payments of £512.84 and 239 monthly payments of £618.72.

The total amount payable would be £167,339 made up of the loan amount plus interest (£66,849), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
3.21%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£295
Loan To Value
Up to 75%

Your interest rate is fixed at 3.21% until 1st August 2020, followed by the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40%, until the end of the mortgage.

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 KFI and mortgage offer
  • Will have to pay an early-repayment charge of 5% of the amount repaid if you repay all or part of your mortgage before 2nd August 2020
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st August 2020 at 3.21% and then on the Cumberland Buy-To-Let Standard Variable Rate (BTL SVR), currently 5.40% for the remaining term of the mortgage, would require 37 monthly payments of £512.84 and 239 monthly payments of £618.72.

The total amount payable would be £167,339 made up of the loan amount plus interest (£66,849), arrangement fee (£295) and other lending fees (£195).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
There are no products available which match the details you have entered.
Please get in touch to discuss your requirements.
Your mortgage is secured on your property. Think carefully before securing other debts against your property. Your property may be repossessed if you do not keep up repayments on your mortgage.
Next
Book an appointment online now to discuss your needs
Book An Appointment

AN AWARD WINNING MORTGAGE PROVIDER

Here are some of the recent awards we have won for our mortgage deals

MONEYFACTS FINANCE AWARDS 2016 Image
MONEYFACTS FINANCE AWARDS 2016
Regional Lending Provider of the Year
We won the Regional Lending Provider of the Year category at the 2016 Moneyfacts awards for offering the most consistently competitive products over the course of a year
MORTGAGE FINANCE GAZETTE AWARDS 2016 Image
MORTGAGE FINANCE GAZETTE AWARDS 2016
Best Regional Building Society
For the second year in a row and fourth in total, this title is awarded to the building society that has offered the most consistently competitive mortgage rates over a year
CHECK OUT OUR OTHER AWARDS Image
CHECK OUT OUR OTHER AWARDS
Have a look at our trophy cabinet
VIEW MORE
We have won many more awards in recent years, including accolades for our mortgage deals, customer service and fraud protection services. You can read about them here