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First time buyer mortgages from The Cumberland

Our National Lending team are on hand to help first time buyers across the UK get onto the property ladder. We are now accepting mortgage applications for up to 90% loan to value (LTV) in our operating area and up to 85% elsewhere (75% in London & SE England). Call our team on 01228 403 141 to discuss your options.

See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us.
View our first-time buyers' guide
Read all about the process of buying a home, from getting a mortgage to moving in.
Call our National Lending team
Ready to take the next step? Call 01228 403 141 to book an appointment with a mortgage advisor.
Where We Lend

We provide mortgages on properties throughout England, Scotland and Wales. Some of our mortgages are only available on properties in our branch operating area.

Our operating area is Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49) and North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7).

Use our Mortgage Calculator to find out which mortgages are available to you.

Mortgage Calculator


  • How much of a deposit do I need?

    We currently offer mortgages up to 85% Loan to Value (LTV) for out of area customers, meaning you will require a minimum of 15% deposit.

    For customers in our operating area, we offer mortgages up to 90% LTV. Our operating area is:

    • Cumbria (all CA and LA postcodes)
    • South-West Scotland (all DG postcodes and TD9)
    • West Northumberland (NE45-49)
    • Preston area of North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7)
  • How much can I borrow?

    The amount you can borrow depends on your income, outgoings and individual situation. You can get an idea of what you could borrow with our Mortgage Calculator.

    For more detailed figures, call us on 012228 403141 to arrange a telephone appointment with a mortgage advisor. We will be able to show you what you can afford, and what your monthly payments would be, guiding you through the mortgage process.

  • How long does it take to get a mortgage?

    The length of time it will take you to get a mortgage depends on several different factors including your circumstances, the property and legal procedures.

    Once the mortgage application form has been completed, we will send a valuer to prepare a mortgage valuation report on the property to make sure we can lend you what you want. We will also check your income and financial status.

    You will need to instruct a conveyancer to handle the legal details (procedures for buying a house in Scotland are different from the system in England and Wales so it is important to contact a conveyancer at an early stage for guidance).

    While you're doing this, we check your application and obtain references and a valuation. Providing these are satisfactory, we will offer you the mortgage. This usually takes two to three weeks, but we can normally give you an immediate "in principle" decision.

  • How much will it cost me?

    Initial costs

    In addition to the deposit you will have other expenses such as conveyancer's fees (including registration fees and possibly stamp duty land tax), valuation fees (unless the mortgage product you've chosen includes a free valuation) and insurance costs. We will go through these with you so that you can work out how much you need to borrow.

    Monthly mortgage payment

    The amount of the monthly mortgage payment depends on:

    • how much you wish to borrow
    • how many years you pay it back over
    • the type of mortgage you choose
    • the current interest rate, and
    • whether or not you decide to pay your house and contents insurance along with your mortgage payment.

    Take all these points into account and with the help of a Mortgage Illustration you should have a good idea of how much your mortgage will costs each month.

  • Why The Cumberland?

    We have decades of experience in helping first time buyers, a team of experts are on hand to guide you through the process. We are currently offering £1,000 cashback for first time buyers on selected products.

  • Are you listed with brokers?

    No, our mortgages aren't listed with brokers. Please contact us directly to discuss your options. Call us on 012228 403141 to arrange a telephone appointment with a mortgage advisor.

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.