Annual Mortgage Statements: All mortgage statements will be with customers by the end of April. For more information please click here.

Kinder to our customers

If your existing Cumberland mortgage deal is coming to an end or you want to switch to a different one, start the process today.
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Having trouble paying your mortgage?

Whether it is residential or commercial, we will always try to help. Our Money Worries Hub contains useful information about how we might be able to help.
Visit the hub

Customer Information: Due to unforeseen circumstances, we are unable to display our Discounted Variable Rate mortgage products on our website. These products are still available and if you would like information about them, please book an appointment and we will talk you through your options. Click here to book an appointment.

Mortgage Product Switch

We’re really pleased that you’re thinking of extending your time with us by considering a mortgage product switch and we can’t wait to hear from you.

As an existing mortgage customer, you’ll already know about our kinder banking philosophy. You’ll be aware that when you call us, you’ll always be speaking to a real person.

When switching to a new deal, we’ll make sure that the rates available to existing customers are as good or better than those offered to new customers and there are no legal or valuation fees to pay.

To be eligible to switch you need to meet the following criteria:

  • You have 2 years and 4 months, or more left on your mortgage term.
  • Your mortgage balance is £10,000 or more.
  • You’re not considering, or are currently, letting your property out.
  • You have not missed 2 or more monthly mortgage payments

I am eligible to switch

If you are eligible to Switch and...

  1. Within the last 3 months

    If you are within the last 3 months of your existing mortgage deal then we will get in touch and make an appointment for a telephone call to discuss your future options. 

    Before your appointment you can view our latest products, these are the rates available today and are subject to change. When searching for your next rate, please use the latest valuation of your property to get the best result.*

    Our latest deals

  2. Already on our Standard Variable Rate

    If you’re already on our Standard Variable Rate then you can book an appointment using the button below.

    Before your appointment you can view our latest products, these are the rates available today and are subject to change. When searching for your next rate, please use the latest valuation of your property to get the best result.*

    Book appointment

  3. Not currently within the last 3 months

    If you wish to switch deals but are not currently within 3 months of the end of your current product deal, you should check your offer documentation or annual mortgage statement as you may need to pay an early repayment charge.

*Rates displayed online are the rates available today and can change at any time. The product and rate you qualify for will be those available on the date of your appointment.

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.