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Buying your first home? It's easier than you think
We've got great deals including £1,000 cashback and 95% mortgages.
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£1,000 cashback*
Get £1,000 cashback on selected first time buyer mortgages. You could put it towards redecorating or simply paint the town.
More details
95% mortgages
You could buy your home with as little as a 5% deposit. So for a property worth £120,000, you would only need a deposit of £6,000.
Use our calculator
Help to Buy schemes
We support the Government's Help to Buy: Equity Loan scheme which is great for first-time buyers.
Find out more
*£1,000 cashback offer applies to selected first time buyer mortgage products up to a maximum loan to value of 95%. Terms and conditions apply.

Why The Cumberland?

We make it as easy as possible for first time buyers to get on the property ladder with 95% mortgages, cashback offers, Help to Buy schemes and much more:

- We have a range of mortgage products to suit different circumstances
- Our helpful mortgage and protection advisors will guide you through the process
- We offer a free basic valuation of the property
- Available 7 days a week

Read more about The Cumberland →

Contact Us

To book a telephone appointment with one of our mortgage advisors please call us on 01228 403206.


  • 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.

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.