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First Time Buyer Mortgages

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Our £1,000 cashback offer applies to selected first time buyer mortgage products.
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Our latest deals

Use our mortgage product selector to compare our latest mortgage deals

£100,000
£20,000
20 Years
Not available through brokers
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT VARIABLE RATE
1.31%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.78% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £430.18 and 336 monthly payments of £605.10.

The total amount payable would be £215,812 made up of the loan amount plus interest (£85,638), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.31%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.78% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £430.18 and 336 monthly payments of £605.10.

The total amount payable would be £216,072 made up of the loan amount plus interest (£85,638), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.39%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.39% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £435.03 and 336 monthly payments of £605.52.

The total amount payable would be £215,069 made up of the loan amount plus interest (£85,895), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.39%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.39% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £435.03 and 336 monthly payments of £605.52.

The total amount payable would be £215,329 made up of the loan amount plus interest (£85,895), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £441.14 and 336 monthly payments of £606.05.

The total amount payable would be £215,394 made up of the loan amount plus interest (£86,220), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, 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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £441.14 and 336 monthly payments of £606.05.

The total amount payable would be £215,654 made up of the loan amount plus interest (£86,220), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £441.14 and 336 monthly payments of £606.05.

The total amount payable would be £215,394 made up of the loan amount plus interest (£86,220), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.49% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £441.14 and 336 monthly payments of £606.05.

The total amount payable would be £215,654 made up of the loan amount plus interest (£86,220), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.53%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.56% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £443.60 and 336 monthly payments of £606.25.

The total amount payable would be £216,520 made up of the loan amount plus interest (£86,346), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.53%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.56% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £443.60 and 336 monthly payments of £606.25.

The total amount payable would be £216,780 made up of the loan amount plus interest (£86,346), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.59%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.50% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £447.30 and 336 monthly payments of £606.56.

The total amount payable would be £215,713 made up of the loan amount plus interest (£86,539), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.59%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.50% 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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £447.30 and 336 monthly payments of £606.56.

The total amount payable would be £215,973 made up of the loan amount plus interest (£86,539), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.61%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.48% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.61% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £448.54 and 336 monthly payments of £606.66.

The total amount payable would be £215,777 made up of the loan amount plus interest (£86,603), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.61%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.48% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.61% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £448.54 and 336 monthly payments of £606.66.

The total amount payable would be £216,037 made up of the loan amount plus interest (£86,603), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.71%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.38% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £454.77 and 336 monthly payments of £607.17.

The total amount payable would be £216,098 made up of the loan amount plus interest (£86,924), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.71%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.38% 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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £454.77 and 336 monthly payments of £607.17.

The total amount payable would be £216,358 made up of the loan amount plus interest (£86,924), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.71%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.38% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £454.77 and 336 monthly payments of £607.17.

The total amount payable would be £216,098 made up of the loan amount plus interest (£86,924), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.71%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.38% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £454.77 and 336 monthly payments of £607.17.

The total amount payable would be £216,358 made up of the loan amount plus interest (£86,924), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.81%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.28% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.81% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £461.04 and 336 monthly payments of £607.68.

The total amount payable would be £216,419 made up of the loan amount plus interest (£87,245), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.81%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.28% 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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.81% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £461.04 and 336 monthly payments of £607.68.

The total amount payable would be £216,679 made up of the loan amount plus interest (£87,245), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.86%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.23% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.86% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £464.20 and 336 monthly payments of £607.93.

The total amount payable would be £217,579 made up of the loan amount plus interest (£87,405), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.89%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.20% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £466.10 and 336 monthly payments of £608.08.

The total amount payable would be £215,676 made up of the loan amount plus interest (£87,501) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.89%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.20% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £466.10 and 336 monthly payments of £608.08.

The total amount payable would be £215,936 made up of the loan amount plus interest (£87,501), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.94%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.15% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.94% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £469.28 and 336 monthly payments of £608.33.

The total amount payable would be £216,836 made up of the loan amount plus interest (£87,662), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.99%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.10% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £472.47 and 336 monthly payments of £608.57.

The total amount payable would be £215,994 made up of the loan amount plus interest (£87,819) and other lending fees (£25).

The overall cost for comparison is 3.8% 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 DISCOUNT VARIABLE RATE
1.99%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.10% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 1.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £472.47 and 336 monthly payments of £608.57.

The total amount payable would be £216,254 made up of the loan amount plus interest (£87,819), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.04%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.05% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £475.68 and 336 monthly payments of £608.82.

The total amount payable would be £217,154 made up of the loan amount plus interest (£87,980), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.04%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.05% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £475.68 and 336 monthly payments of £608.82.

The total amount payable would be £217,154 made up of the loan amount plus interest (£87,980), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.11%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.98% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.11% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £480.18 and 336 monthly payments of £609.16.

The total amount payable would be £216,377 made up of the loan amount plus interest (£88,202) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.11%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.98% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.11% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £480.18 and 336 monthly payments of £609.16.

The total amount payable would be £216,637 made up of the loan amount plus interest (£88,202), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.14%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.95% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.14% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £482.12 and 336 monthly payments of £609.31.

The total amount payable would be £217,473 made up of the loan amount plus interest (£88,299), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.21%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.88% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £486.67 and 336 monthly payments of £609.64.

The total amount payable would be £216,694 made up of the loan amount plus interest (£88,519) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.21%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.88% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £486.67 and 336 monthly payments of £609.64.

The total amount payable would be £216,954 made up of the loan amount plus interest (£88,519), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.44%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.65% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.44% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £501.77 and 336 monthly payments of £610.73.

The total amount payable would be £217,423 made up of the loan amount plus interest (£89,248) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.54%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.55% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.54% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £508.42 and 336 monthly payments of £611.20.

The total amount payable would be £217,740 made up of the loan amount plus interest (£89,565) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.55%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.54% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.55% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £509.09 and 336 monthly payments of £611.25.

The total amount payable would be £219,772 made up of the loan amount plus interest (£89,598), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
2.63%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.46% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.63% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £514.45 and 336 monthly payments of £611.61.

The total amount payable would be £219,022 made up of the loan amount plus interest (£89,848), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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 DISCOUNT VARIABLE RATE
2.73%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.36% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.73% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £521.19 and 336 monthly payments of £612.07.

The total amount payable would be £219,338 made up of the loan amount plus interest (£90,164), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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 DISCOUNT VARIABLE RATE
2.73%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.36% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.73% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £521.19 and 336 monthly payments of £612.07.

The total amount payable would be £219,338 made up of the loan amount plus interest (£90,164), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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 DISCOUNT VARIABLE RATE
2.83%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.26% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 2.83% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £527.99 and 336 monthly payments of £612.52.

The total amount payable would be £219,652 made up of the loan amount plus interest (£90,478), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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 DISCOUNT VARIABLE RATE
3.11%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.98% 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
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 3.11% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £547.28 and 336 monthly payments of £613.75.

The total amount payable would be £220,529 made up of the loan amount plus interest (£91,355), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
3.13%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.96% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 3.13% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £548.67 and 336 monthly payments of £613.84.

The total amount payable would be £219,593 made up of the loan amount plus interest (£91,418) and other lending fees (£25).

The overall cost for comparison is 4.0% 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 DISCOUNT VARIABLE RATE
3.21%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.88% 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
  • £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 1% 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 £128,000 payable over 30 years initially on this variable rate product for 2 years at 3.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £554.26 and 336 monthly payments of £614.18.

The total amount payable would be £220,841 made up of the loan amount plus interest (£91,667), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
3.23%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.86% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 3.23% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £555.66 and 336 monthly payments of £614.27.

The total amount payable would be £219,906 made up of the loan amount plus interest (£91,731) and other lending fees (£25).

The overall cost for comparison is 4.0% 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 DISCOUNT VARIABLE RATE
3.61%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 0.48% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £128,000 payable over 30 years initially on this variable rate product for 2 years at 3.61% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £582.67 and 336 monthly payments of £615.86.

The total amount payable would be £221,088 made up of the loan amount plus interest (£92,913) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
1.46%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.46% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.46% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £326.49 and 312 monthly payments of £441.45.

The total amount payable would be £147,742 made up of the loan amount plus interest (£55,568), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.46%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.46% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.46% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £326.49 and 312 monthly payments of £441.45.

The total amount payable would be £148,002 made up of the loan amount plus interest (£55,568), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
1.54%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.54% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.54% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £329.91 and 312 monthly payments of £441.76.

The total amount payable would be £146,921 made up of the loan amount plus interest (£55,747), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.8% 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
1.54%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.54% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.54% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £329.91 and 312 monthly payments of £441.76.

The total amount payable would be £147,181 made up of the loan amount plus interest (£55,747), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.64%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.64% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.64% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £334.23 and 312 monthly payments of £442.13.

The total amount payable would be £147,390 made up of the loan amount plus interest (£55,966), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.64%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.64% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.64% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £334.23 and 312 monthly payments of £442.13.

The total amount payable would be £147,650 made up of the loan amount plus interest (£55,966), arrangement fee (£1,249), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.68%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.68% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £335.96 and 312 monthly payments of £442.28.

The total amount payable would be £148,228 made up of the loan amount plus interest (£56,054), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
1.68%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.68% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £335.96 and 312 monthly payments of £442.28.

The total amount payable would be £148,488 made up of the loan amount plus interest (£56,054), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
1.76%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.76% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £339.45 and 312 monthly payments of £442.58.

The total amount payable would be £147,406 made up of the loan amount plus interest (£56,232), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.76%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.76% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £339.45 and 312 monthly payments of £442.58.

The total amount payable would be £147,666 made up of the loan amount plus interest (£56,232), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.86%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 75%

Your interest rate is fixed at 1.86% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £343.84 and 312 monthly payments of £442.95.

The total amount payable would be £147,877 made up of the loan amount plus interest (£56,453), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
1.86%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 75%

Your interest rate is fixed at 1.86% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £343.84 and 312 monthly payments of £442.95.

The total amount payable would be £148,137 made up of the loan amount plus interest (£56,453), arrangement fee (£1,249), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.01%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.01% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.01% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £350.48 and 312 monthly payments of £443.50.

The total amount payable would be £148,958 made up of the loan amount plus interest (£56,784), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
2.04%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.04% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £351.82 and 312 monthly payments of £443.61.

The total amount payable would be £147,025 made up of the loan amount plus interest (£56,850) and other lending fees (£25).

The overall cost for comparison is 3.8% 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
2.04%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.04% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £351.82 and 312 monthly payments of £443.61.

The total amount payable would be £147,285 made up of the loan amount plus interest (£56,850), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.09%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.09% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £354.06 and 312 monthly payments of £443.79.

The total amount payable would be £148,134 made up of the loan amount plus interest (£56,960), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.14%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.14% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.14% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £356.31 and 312 monthly payments of £443.97.

The total amount payable would be £147,245 made up of the loan amount plus interest (£57,070) and other lending fees (£25).

The overall cost for comparison is 3.8% 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
2.14%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.14% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.14% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £356.31 and 312 monthly payments of £443.97.

The total amount payable would be £147,505 made up of the loan amount plus interest (£57,070), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.19%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 80%

Your interest rate is fixed at 2.19% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £358.56 and 312 monthly payments of £444.15.

The total amount payable would be £148,604 made up of the loan amount plus interest (£57,180), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
2.26%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.26% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.26% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £361.73 and 312 monthly payments of £444.40.

The total amount payable would be £147,509 made up of the loan amount plus interest (£57,334) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.26%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.26% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.26% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £361.73 and 312 monthly payments of £444.40.

The total amount payable would be £147,769 made up of the loan amount plus interest (£57,334), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.36%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.36% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.36% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £366.29 and 312 monthly payments of £444.75.

The total amount payable would be £147,728 made up of the loan amount plus interest (£57,553) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.36%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.36% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.36% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £366.29 and 312 monthly payments of £444.75.

The total amount payable would be £147,988 made up of the loan amount plus interest (£57,553), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.59%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.59% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.90 and 312 monthly payments of £445.55.

The total amount payable would be £148,232 made up of the loan amount plus interest (£58,057) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.69%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.69% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.69% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.56 and 312 monthly payments of £445.89.

The total amount payable would be £148,450 made up of the loan amount plus interest (£58,275) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.70%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.70% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £382.03 and 312 monthly payments of £445.93.

The total amount payable would be £150,473 made up of the loan amount plus interest (£58,299), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
2.78%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.78% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.78% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £385.79 and 312 monthly payments of £446.20.

The total amount payable would be £149,647 made up of the loan amount plus interest (£58,473), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
2.88%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 85%

Your interest rate is fixed at 2.88% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 2.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £390.52 and 312 monthly payments of £446.53.

The total amount payable would be £150,114 made up of the loan amount plus interest (£58,690), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
3.26%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 3.26% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 3.26% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £408.79 and 312 monthly payments of £447.77.

The total amount payable would be £150,689 made up of the loan amount plus interest (£59,515), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
3.28%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.28% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 3.28% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £409.77 and 312 monthly payments of £447.83.

The total amount payable would be £149,732 made up of the loan amount plus interest (£59,557) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
3.38%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.38% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 3.38% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £414.66 and 312 monthly payments of £448.15.

The total amount payable would be £149,950 made up of the loan amount plus interest (£59,775) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
3.76%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.76% until 1st April 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022 and 1% before 2nd April 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2023
Representative Example:

A mortgage of £90,000 payable over 28 years initially on this fixed rate product until 1st April 2023 at 3.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £433.54 and 312 monthly payments of £449.32.

The total amount payable would be £150,768 made up of the loan amount plus interest (£60,593) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
1.71%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.71% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 1.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £396.50 and 300 monthly payments of £515.43.

The total amount payable would be £180,593 made up of the loan amount plus interest (£66,819), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
1.71%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.71% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 1.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £396.50 and 300 monthly payments of £515.43.

The total amount payable would be £180,853 made up of the loan amount plus interest (£66,819), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
1.79%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.79% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 1.79% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £400.87 and 300 monthly payments of £516.30.

The total amount payable would be £180,116 made up of the loan amount plus interest (£67,342), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.4% 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
1.79%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.79% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 1.79% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £400.87 and 300 monthly payments of £516.30.

The total amount payable would be £180,376 made up of the loan amount plus interest (£67,342), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.4% 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
1.89%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.89% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £406.38 and 300 monthly payments of £517.37.

The total amount payable would be £181,018 made up of the loan amount plus interest (£67,994), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
1.89%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 60%

Your interest rate is fixed at 1.89% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £406.38 and 300 monthly payments of £517.37.

The total amount payable would be £181,278 made up of the loan amount plus interest (£67,994), arrangement fee (£1,249), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.00%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.00% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £412.50 and 300 monthly payments of £518.54.

The total amount payable would be £182,486 made up of the loan amount plus interest (£68,712), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.00%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.00% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £412.50 and 300 monthly payments of £518.54.

The total amount payable would be £182,746 made up of the loan amount plus interest (£68,712), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.08%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.08% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.08% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £416.97 and 300 monthly payments of £519.39.

The total amount payable would be £182,009 made up of the loan amount plus interest (£69,235), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.08%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 2.08% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.08% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £416.97 and 300 monthly payments of £519.39.

The total amount payable would be £182,269 made up of the loan amount plus interest (£69,235), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.09%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.09% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £417.54 and 300 monthly payments of £519.49.

The total amount payable would be £181,074 made up of the loan amount plus interest (£69,299) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.09%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.09% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £417.54 and 300 monthly payments of £519.49.

The total amount payable would be £181,334 made up of the loan amount plus interest (£69,299), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.18%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 75%

Your interest rate is fixed at 2.18% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.18% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £422.61 and 300 monthly payments of £520.44.

The total amount payable would be £182,913 made up of the loan amount plus interest (£69,889), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.18%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 75%

Your interest rate is fixed at 2.18% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.18% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £422.61 and 300 monthly payments of £520.44.

The total amount payable would be £183,173 made up of the loan amount plus interest (£69,889), arrangement fee (£1,249), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.19% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £423.18 and 300 monthly payments of £520.54.

The total amount payable would be £181,728 made up of the loan amount plus interest (£69,953) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.19% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £423.18 and 300 monthly payments of £520.54.

The total amount payable would be £181,988 made up of the loan amount plus interest (£69,953), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.26%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.26% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.26% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £427.16 and 300 monthly payments of £521.26.

The total amount payable would be £184,182 made up of the loan amount plus interest (£70,408), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.7% 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
2.33%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.33% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.15 and 300 monthly payments of £521.99.

The total amount payable would be £182,641 made up of the loan amount plus interest (£70,866) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.33%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.33% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.15 and 300 monthly payments of £521.99.

The total amount payable would be £182,901 made up of the loan amount plus interest (£70,866), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.33%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.33% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.15 and 300 monthly payments of £521.99.

The total amount payable would be £182,641 made up of the loan amount plus interest (£70,866) and other lending fees (£25).

The overall cost for comparison is 3.5% 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
2.33%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 2.33% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.15 and 300 monthly payments of £521.99.

The total amount payable would be £182,901 made up of the loan amount plus interest (£70,866), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.34%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.34% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.34% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.73 and 300 monthly payments of £522.09.

The total amount payable would be £183,705 made up of the loan amount plus interest (£70,931), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.38%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.38% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.38% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £434.02 and 300 monthly payments of £522.50.

The total amount payable would be £182,966 made up of the loan amount plus interest (£71,191) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.38%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.38% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.38% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £434.02 and 300 monthly payments of £522.50.

The total amount payable would be £183,226 made up of the loan amount plus interest (£71,191), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.44%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 80%

Your interest rate is fixed at 2.44% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.44% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £437.48 and 300 monthly payments of £523.11.

The total amount payable would be £184,606 made up of the loan amount plus interest (£71,582), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 3.7% 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
2.48%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.48% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £439.80 and 300 monthly payments of £523.52.

The total amount payable would be £183,619 made up of the loan amount plus interest (£71,844) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.48%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.48% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £439.80 and 300 monthly payments of £523.52.

The total amount payable would be £183,879 made up of the loan amount plus interest (£71,844), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.62%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.62% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.62% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £447.95 and 300 monthly payments of £524.93.

The total amount payable would be £184,531 made up of the loan amount plus interest (£72,756) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.62%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.62% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.62% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £447.95 and 300 monthly payments of £524.93.

The total amount payable would be £184,791 made up of the loan amount plus interest (£72,756), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.7% 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
2.62%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.62% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.62% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £447.95 and 300 monthly payments of £524.93.

The total amount payable would be £184,531 made up of the loan amount plus interest (£72,756) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.62%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.62% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.62% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £447.95 and 300 monthly payments of £524.93.

The total amount payable would be £184,791 made up of the loan amount plus interest (£72,756), valuation fee (£260) and other lending fees (£25).

The overall cost for comparison is 3.7% 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
2.62%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.62% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.62% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £447.95 and 300 monthly payments of £524.93.

The total amount payable would be £184,531 made up of the loan amount plus interest (£72,756) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.64%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.64% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.64% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £449.12 and 300 monthly payments of £525.13.

The total amount payable would be £184,661 made up of the loan amount plus interest (£72,886) and other lending fees (£25).

The overall cost for comparison is 3.6% 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
2.74%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.74% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.74% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £455.01 and 300 monthly payments of £526.12.

The total amount payable would be £185,312 made up of the loan amount plus interest (£73,537) and other lending fees (£25).

The overall cost for comparison is 3.7% 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
2.95%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.95% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.95% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £467.51 and 300 monthly payments of £528.18.

The total amount payable would be £188,679 made up of the loan amount plus interest (£74,905), arrangement fee (£1,999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
2.96%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.96% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 2.96% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £468.11 and 300 monthly payments of £528.28.

The total amount payable would be £186,746 made up of the loan amount plus interest (£74,971) and other lending fees (£25).

The overall cost for comparison is 3.8% 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
3.03%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 3.03% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.03% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £472.32 and 300 monthly payments of £528.95.

The total amount payable would be £188,198 made up of the loan amount plus interest (£75,424), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
3.03%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.03% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.03% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £472.32 and 300 monthly payments of £528.95.

The total amount payable would be £187,199 made up of the loan amount plus interest (£75,424) and other lending fees (£25).

The overall cost for comparison is 3.8% 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
3.03%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.03% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.03% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £472.32 and 300 monthly payments of £528.95.

The total amount payable would be £187,199 made up of the loan amount plus interest (£75,424) and other lending fees (£25).

The overall cost for comparison is 3.8% 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
3.13%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,249
Loan To Value
Up to 85%

Your interest rate is fixed at 3.13% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.13% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £478.37 and 300 monthly payments of £529.91.

The total amount payable would be £189,099 made up of the loan amount plus interest (£76,075), arrangement fee (£1,249) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
3.33%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £490.60 and 300 monthly payments of £531.80.

The total amount payable would be £189,151 made up of the loan amount plus interest (£77,376) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
3.43%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.43% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £496.78 and 300 monthly payments of £532.73.

The total amount payable would be £189,801 made up of the loan amount plus interest (£78,026) and other lending fees (£25).

The overall cost for comparison is 3.9% 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
3.53%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 3.53% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, 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
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £503.00 and 300 monthly payments of £533.64.

The total amount payable would be £191,446 made up of the loan amount plus interest (£78,672), arrangement fee (£999) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
3.57%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.57% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.57% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £505.50 and 300 monthly payments of £534.01.

The total amount payable would be £190,708 made up of the loan amount plus interest (£78,933) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
3.57%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.57% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.57% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £505.50 and 300 monthly payments of £534.01.

The total amount payable would be £190,708 made up of the loan amount plus interest (£78,933) and other lending fees (£25).

The overall cost for comparison is 4.0% 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
3.83%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.83% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 3.83% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £521.92 and 300 monthly payments of £536.34.

The total amount payable would be £192,392 made up of the loan amount plus interest (£80,617) and other lending fees (£25).

The overall cost for comparison is 4.1% 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
4.07%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 4.07% until 1st April 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £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 April 2022, 4% before 2nd April 2023, 3% before 2nd April 2024, 2% before 2nd April 2025 and 1% before 2nd April 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd April 2026
Representative Example:

A mortgage of £111,600 payable over 30 years initially on this fixed rate product until 1st April 2026 at 4.07% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £537.31 and 300 monthly payments of £538.44.

The total amount payable would be £193,946 made up of the loan amount plus interest (£82,171) and other lending fees (£25).

The overall cost for comparison is 4.2% 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.

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Help for first time buyers

See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us.
View our First Time Buyers' Guide
Read all about the process of buying a home, from getting a mortgage to moving in.
Ask us a question
Call us or chat online if you have any questions about buying your first home.

FAQs

  • What do you mean 'It's easier than you think'?

    You might have seen us shouting about how easy it is to get your first mortgage, but what do we actually mean?

    We know that for many first-time buyers, getting your first home and mortgage can be a daunting prospect, but for most, it was actually easier than they thought.

    In fact, research from Zoopla shows that two thirds of first time buyers thought the process was easier than they thought.

    We think that getting your first mortgage is particularly easy with The Cumberland, with deposit requirements starting from just 5%, £1,000 cashback on selected products, and our amazing support for first time buyers.
  • 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 much deposit do I need?

    We're one of the few lenders who offer 95% loan to value mortgages, which means you only need a deposit of 5%.

    However, the bigger your deposit, the lower your loan to value and therefore the lower your mortgage interest rate may be.

  • 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.

£100 cashback terms and conditions

New customers: Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process. Payable once per current account. Maximum one eligible current account per mortgage application. Existing customers: Your Cumberland current account must be funded with a minimum of £750 per month for the 3 successive months prior to your application.

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.