Brighter for first time buyers. #BrighterForYou
We make buying your first home a breeze. And the £1000 cashback* isn't bad either.
See what you could borrow

Looking for a mortage?

You've found the right people. Talk to us online, on the phone, or in a branch. Evenings, weekends, whatever. We'll be there.

£1000 cashback
With our 5-year fixed rate mortgage*. Hello new sofa.
10% deposits
Small pot? No problem.
Feefo rated 4.8 / 5
Personal service that brightens your day.

*£1,000 cashback only available on our 5-year fixed rate First Time Buyer mortgage product up to 90%. Terms and conditions apply.

Need a hand?

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.
Ask us a question
Call us or chat online if you have any questions about buying your first home.
Latest news

If you’re a first time buyer you could still get onto the property ladder with a 10 per cent deposit with The Cumberland.

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First-time buyer hub
Find out everything you need to know when buying your first home, from finding the perfect property and the mortgage process right through to the big move and everything in-between.
Find out more


  • 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, but for more detailed figures speak to one of our mortgage and protection advisors.

    If you want to apply for a mortgage with a second person, we will usually take into account your joint incomes.

    Once we have talked to you about a mortgage, we can give you a Mortgage Affordability Certificate, showing how much we will lend you if the valuation of the property is satisfactory.

  • 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.

  • What 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.

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.