The really useful guide to buying your first home

If you're thinking of buying your first house or flat we'd like to help.
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Great news for first time buyers!

With 95% mortgages available (75% in London & SE England)*, £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.
5% deposits and £1,000 cashback
5% deposits and £1,000 cashback

Also known as 95% LTV mortgages*, you can even get £1,000 cashback with selected mortgages**.

Crunch some numbers
Searching for your first home?
Searching for your first home?

We’ve got 5% deposit mortgages and we’ll support you every step of the way, from getting your mortgage right through to the final paperwork.

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What does a mortgage really mean?
What does a mortgage really mean?

Beyond the finance, obtaining a mortgage can mean so many things – like spreading your wings or starting a family. Our mortgage hub is here to help with some useful information to get you started on your journey,

Visit our Mortgage Hub

*Subject to lending criteria at the time

**£1,000 cashback available on selected First Time Buyer mortgage products up to 95%. Terms and conditions apply.

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.

View our latest deals

Use our mortgage product selector to compare our latest mortgage deals.

If any part of your mortgage is Interest Only the maximum Loan-to-value (LTV) we offer is 75%*.

If you require a combination of repayment types, you can view the products available to you by selecting the Interest Only button below.

* LTV dependant on repayment strategy used.

Fixed RateVariable Rate
RepaymentInterest Only
These products are available for a £120,000 mortgage with a 75% loan to value (LTV)
5 YEAR FIXED RATE
4.49%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.49% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,713 made up of the loan amount plus interest (£95,584), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.49%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.49% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,713 made up of the loan amount plus interest (£95,584), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.49%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.49% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,973 made up of the loan amount plus interest (£95,584), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.49%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.49% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.49% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £471.98 and 239 monthly payments of £635.12.

The total amount payable would be £181,973 made up of the loan amount plus interest (£95,584), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.61%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.61% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,378 made up of the loan amount plus interest (£96,249), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.61%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.61% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,378 made up of the loan amount plus interest (£96,249), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.61%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.61% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,638 made up of the loan amount plus interest (£96,249), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.61%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.61% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.61% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £477.78 and 239 monthly payments of £636.42.

The total amount payable would be £182,638 made up of the loan amount plus interest (£96,249), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.67%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 4.67% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £480.70 and 239 monthly payments of £637.06.

The total amount payable would be £182,709 made up of the loan amount plus interest (£96,580), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.67%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 4.67% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.67% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £480.70 and 239 monthly payments of £637.06.

The total amount payable would be £182,709 made up of the loan amount plus interest (£96,580), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.69%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.69% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £181,822 made up of the loan amount plus interest (£96,692), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.69%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.69% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £181,822 made up of the loan amount plus interest (£96,692), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.69%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.69% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £182,082 made up of the loan amount plus interest (£96,692), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.69%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 4.69% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.69% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £481.67 and 239 monthly payments of £637.28.

The total amount payable would be £182,082 made up of the loan amount plus interest (£96,692), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.74%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.74% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,096 made up of the loan amount plus interest (£96,967), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.74%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.74% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,096 made up of the loan amount plus interest (£96,967), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.74%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.74% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,356 made up of the loan amount plus interest (£96,967), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.74%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.74% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.74% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £484.11 and 239 monthly payments of £637.81.

The total amount payable would be £183,356 made up of the loan amount plus interest (£96,967), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.81%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.81% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,483 made up of the loan amount plus interest (£97,353), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.81%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.81% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,483 made up of the loan amount plus interest (£97,353), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.81%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.81% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,743 made up of the loan amount plus interest (£97,353), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.81%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.81% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.81% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £487.54 and 239 monthly payments of £638.55.

The total amount payable would be £182,743 made up of the loan amount plus interest (£97,353), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.86%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.86% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £183,759 made up of the loan amount plus interest (£97,630), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.86%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.86% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £183,759 made up of the loan amount plus interest (£97,630), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.86%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.86% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £184,019 made up of the loan amount plus interest (£97,630), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.86%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.86% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £489.99 and 239 monthly payments of £639.08.

The total amount payable would be £184,019 made up of the loan amount plus interest (£97,630), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.87%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.87% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,385 made up of the loan amount plus interest (£76,256), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.87%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.87% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,385 made up of the loan amount plus interest (£76,256), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.87%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.87% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,645 made up of the loan amount plus interest (£76,256), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.87%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 4.87% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £475.86 and 227 monthly payments of £613.92.

The total amount payable would be £152,645 made up of the loan amount plus interest (£76,256), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.87%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 4.87% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.48 and 239 monthly payments of £639.19.

The total amount payable would be £182,816 made up of the loan amount plus interest (£97,686), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.87%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 4.87% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.87% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.48 and 239 monthly payments of £639.19.

The total amount payable would be £182,816 made up of the loan amount plus interest (£97,686), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.88%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 4.88% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.98 and 239 monthly payments of £639.29.

The total amount payable would be £183,869 made up of the loan amount plus interest (£97,740), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.88%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 4.88% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £490.98 and 239 monthly payments of £639.29.

The total amount payable would be £183,869 made up of the loan amount plus interest (£97,740), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.96%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.96% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,568 made up of the loan amount plus interest (£76,439), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.96%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.96% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,568 made up of the loan amount plus interest (£76,439), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.96%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.96% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,828 made up of the loan amount plus interest (£76,439), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
4.96%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.96% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 4.96% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £479.61 and 227 monthly payments of £614.31.

The total amount payable would be £152,828 made up of the loan amount plus interest (£76,439), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.98%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 4.98% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £495.91 and 239 monthly payments of £640.34.

The total amount payable would be £183,422 made up of the loan amount plus interest (£98,292), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
4.98%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 4.98% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 4.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £495.91 and 239 monthly payments of £640.34.

The total amount payable would be £183,422 made up of the loan amount plus interest (£98,292), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 5.11% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £485.91 and 227 monthly payments of £614.96.

The total amount payable would be £152,873 made up of the loan amount plus interest (£76,744), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 5.11% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £485.91 and 227 monthly payments of £614.96.

The total amount payable would be £152,873 made up of the loan amount plus interest (£76,744), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.12%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 5.12% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £152,892 made up of the loan amount plus interest (£76,763), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.12%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 5.12% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £152,892 made up of the loan amount plus interest (£76,763), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.12%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 5.12% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £153,152 made up of the loan amount plus interest (£76,763), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.12%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 5.12% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.12% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £486.33 and 227 monthly payments of £615.00.

The total amount payable would be £153,152 made up of the loan amount plus interest (£76,763), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.21%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.21% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,074 made up of the loan amount plus interest (£76,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.21%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.21% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,074 made up of the loan amount plus interest (£76,945), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.21%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.21% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,334 made up of the loan amount plus interest (£76,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.21%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.21% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.21% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.13 and 227 monthly payments of £615.38.

The total amount payable would be £153,334 made up of the loan amount plus interest (£76,945), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.23%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.23% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.98 and 227 monthly payments of £615.47.

The total amount payable would be £153,115 made up of the loan amount plus interest (£76,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.23%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.23% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £490.98 and 227 monthly payments of £615.47.

The total amount payable would be £153,115 made up of the loan amount plus interest (£76,986), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
5.23%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.23% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £508.36 and 239 monthly payments of £642.91.

The total amount payable would be £184,795 made up of the loan amount plus interest (£99,665), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
5.23%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.23% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.23% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £508.36 and 239 monthly payments of £642.91.

The total amount payable would be £184,795 made up of the loan amount plus interest (£99,665), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.27%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 5.27% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,197 made up of the loan amount plus interest (£77,067), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.27%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 5.27% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,197 made up of the loan amount plus interest (£77,067), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.27%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 5.27% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,457 made up of the loan amount plus interest (£77,067), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.27%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 5.27% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.27% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £492.67 and 227 monthly payments of £615.64.

The total amount payable would be £152,457 made up of the loan amount plus interest (£77,067), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
5.33%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.33% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.33% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £513.38 and 239 monthly payments of £643.92.

The total amount payable would be £185,343 made up of the loan amount plus interest (£100,213), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
5.33%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.33% until 1st July 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd July 2025, 4% before 2nd July 2026, 3% before 2nd July 2027, 2% before 2nd July 2028 and 1% before 2nd July 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2029
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st July 2029 at 5.33% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £513.38 and 239 monthly payments of £643.92.

The total amount payable would be £185,343 made up of the loan amount plus interest (£100,213), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.36%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.36% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,377 made up of the loan amount plus interest (£77,247), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.36%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.36% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,377 made up of the loan amount plus interest (£77,247), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.36%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.36% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,637 made up of the loan amount plus interest (£77,247), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.36%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.36% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.36% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £496.50 and 227 monthly payments of £616.01.

The total amount payable would be £152,637 made up of the loan amount plus interest (£77,247), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,595 made up of the loan amount plus interest (£113,466), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,595 made up of the loan amount plus interest (£113,466), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,855 made up of the loan amount plus interest (£113,466), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £534.63 and 276 monthly payments of £683.46.

The total amount payable would be £202,855 made up of the loan amount plus interest (£113,466), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.46%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.46% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.46% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £500.76 and 227 monthly payments of £616.43.

The total amount payable would be £152,579 made up of the loan amount plus interest (£77,449), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.46%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.46% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.46% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £500.76 and 227 monthly payments of £616.43.

The total amount payable would be £152,579 made up of the loan amount plus interest (£77,449), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.53%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.53% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.53% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £503.76 and 227 monthly payments of £616.72.

The total amount payable would be £152,719 made up of the loan amount plus interest (£77,589), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.53%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.53% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.53% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £503.76 and 227 monthly payments of £616.72.

The total amount payable would be £152,719 made up of the loan amount plus interest (£77,589), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £542.50 and 276 monthly payments of £684.06.

The total amount payable would be £202,950 made up of the loan amount plus interest (£113,821), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £542.50 and 276 monthly payments of £684.06.

The total amount payable would be £202,950 made up of the loan amount plus interest (£113,821), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,444 made up of the loan amount plus interest (£114,055), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our 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 - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,184 made up of the loan amount plus interest (£114,055), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 0.5% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £88,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.78 and 276 monthly payments of £684.45.

The total amount payable would be £203,444 made up of the loan amount plus interest (£114,055), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.78%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.78% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £514.55 and 227 monthly payments of £617.75.

The total amount payable would be £153,223 made up of the loan amount plus interest (£78,093), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.78%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.78% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £514.55 and 227 monthly payments of £617.75.

The total amount payable would be £153,223 made up of the loan amount plus interest (£78,093), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.98%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.98% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £523.27 and 227 monthly payments of £618.55.

The total amount payable would be £153,623 made up of the loan amount plus interest (£78,493), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
5.98%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.98% until 1st July 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property - N/A for Scottish properties, as this responsibility lies with the seller
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd July 2025 and 1% before 2nd July 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2026
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this fixed rate product until 1st July 2026 at 5.98% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £523.27 and 227 monthly payments of £618.55.

The total amount payable would be £153,623 made up of the loan amount plus interest (£78,493), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 8.0% 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 Mortgage Illustration, please contact us directly.

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FAQs

  • 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.