Check out our new, reduced mortgage rates…

… helping you to get on the property ladder.
Mortgage calculator

Great news for first time buyers!

With 95% mortgages now available, £1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think. Of course, making an offer on your first home can still be stressful. But with our range of first time buyer mortgages, expert knowledge, and friendly advisors, you’ll have all the support you need to get things moving, your way.

5% deposits and £1,000 cashback
5% deposit mortgages are back for first-time buyers. Also known as 95% LTV mortgages, you can even get £1,000 cashback with our 5-year fixed rate mortgage.
Platinum-rated customer service
Providing great service to first time buyers is something we’re really proud of. We’ve won Feefo’s Platinum Trusted Service Award for 2021.
Request a call back
Any questions about buying your first home? You can speak to us about your mortgage 7 days a week.

*£1,000 cashback only available on our 5-year fixed rate First Time Buyer mortgage product up to 95%. Terms and conditions apply.

Next steps

Want to make moving house as hassle-free as possible? You’re in the right place. From mortgage calculators to eligibility checkers, and online support to help you figure out how much to offer on your first home, we’re here to lend a hand.

See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us, and what could be a good first offer on a house.
Check you can apply
Answer a couple of questions to get an initial indication of whether we might be able to help you or not.
Request a call from a mortgage specialist
Our mortgage teams are ready to take your call if you have any questions about buying your first home.
Latest news

Find out everything you need to know about The Cumberland's 5% deposit mortgages.

Latest news

Take a look at our new First time buyer hub

If you're not sure how to take the first steps onto the housing ladder, our First Time Buyer hub is packed with tips and guides to make every step.
Visit the hub


  • 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.