REMORTGAGE YOUR BUY-TO-LET TO US

Switching your buy-to-let mortgage to us could save you money
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Where we lend
Throughout mainland UK
On freehold or long leasehold standard construction properties
Professional, Personal Service
From our professional qualified team of expert lending managers
We will treat you as more than a number
Benefits of Mutuality
We have no shareholders to satisfy
So you get great value products and services

ARE YOU A PORTFOLIO LANDLORD?

Portfolio Landlords Image
Portfolio Landlords
Landlords who own 4 or more mortgaged Buy To Let properties
Find Out More
We tailor our mortgage deals to suit your circumstances
Non-Professional Landlords Image
Non-Professional Landlords
Landlords who own less than 4 mortgaged Buy To Let properties
View Deals
View our current mortgage deals now

Portfolio Landlords

Landlords who own 4 or more mortgaged Buy To Let properties

Tailored Mortgage Products
We understand that you are unique
We will tailor our mortgage deal to your circumstances
Who can apply
Individuals, partnerships, limited companies, trusts and ex-pats
How much you can borrow
Minimum mortgage £75k
Typically up to 75% of the market value of the property (min £150k)

DOWNLOADS

For Portfolio Landlords

Application Form
Downloads
A Guide To Mortgages
Downloads
Application Checklist
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Book an appointment online now to discuss your needs
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NON-PORTFOLIO LANDLORDS

Landlords who own less than 4 mortgaged Buy To Let properties

Who can apply
Individuals and partnerships
How much you can borrow
We will typically consider up to 75% of the market value of the property
Minimum value £50,000

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
2.39%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£995
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 3.01% 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
  • Free Valuation Fee - No charge for the valuation of your property
  • Legal Contribution - £250 contribution towards legal fees
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 2.39% 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 £471.33 and 252 monthly payments of £619.88.

The total amount payable would be £168,642 made up of the loan amount plus interest (£67,522), arrangement fee (£995) and other lending fees (£125).

The overall cost for comparison is 5.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.39%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£995
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 3.01% 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
  • Free Mortgage Valuation - On properties up to £250k
  • Legal Contribution - £250 contribution towards legal fees
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 £121,104 payable over 15 years initially on this variable rate product for 2 years at 2.39% 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 £801.25 and 156 monthly payments of £959.21.

The total amount payable would be £169,987 made up of the loan amount plus interest (£47,763), arrangement fee (£995) and other lending fees (£125).

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
2 YEAR DISCOUNT RATE
2.39%
Initial Interest Rate
5.0% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£995
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 3.01% 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
  • Free Valuation Fee - No charge for the valuation of your property
  • Legal Contribution - £250 contribution towards legal fees
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 2.39% 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 £471.33 and 252 monthly payments of £619.88.

The total amount payable would be £168,642 made up of the loan amount plus interest (£67,522), arrangement fee (£995) and other lending fees (£125).

The overall cost for comparison is 5.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.39%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£995
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 3.01% 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
  • Free Mortgage Valuation - On properties up to £250k
  • Legal Contribution - £250 contribution towards legal fees
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 £121,104 payable over 15 years initially on this variable rate product for 2 years at 2.39% 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 £801.25 and 156 monthly payments of £959.21.

The total amount payable would be £169,987 made up of the loan amount plus interest (£47,763), arrangement fee (£995) and other lending fees (£125).

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
2 YEAR DISCOUNT RATE
2.83%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£995
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 2.57% 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
  • Free Mortgage Valuation - On properties up to £250k
  • Legal Contribution - £250 contribution towards legal fees
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 £121,104 payable over 15 years initially on this variable rate product for 2 years at 2.83% 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 £826.46 and 156 monthly payments of £962.92.

The total amount payable would be £171,171 made up of the loan amount plus interest (£48,947), arrangement fee (£995) and other lending fees (£125).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.83%
Initial Interest Rate
4.9% APRC
Overall Cost for Comparison
Followed by variable rate
5.40%
Arrangement Fee
£995
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 2.57% 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
  • Free Mortgage Valuation - On properties up to £250k
  • Legal Contribution - £250 contribution towards legal fees
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 £121,104 payable over 15 years initially on this variable rate product for 2 years at 2.83% 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 £826.46 and 156 monthly payments of £962.92.

The total amount payable would be £171,171 made up of the loan amount plus interest (£48,947), arrangement fee (£995) and other lending fees (£125).

The overall cost for comparison is 4.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
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  • Insurance

    As a condition of any mortgage you will need to ensure that the property is adequately insured (e.g. Building Insurance), however, this insurance does not have to be arranged through us.

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.