We will contact you
Three months before your mortgage deal period ends, we will get in touch and make an appointment for a telephone call to discuss your future options.*
If you’re a Cumberland mortgage customer and you’re in the last three months of your mortgage deal we will be in touch soon to arrange your appointment, or you can book an appointment below. Changing to a new mortgage product may help you to manage your monthly payments. It's also an opportunity to consider whether you want to release some funds to spend on improving your home.
Please Note: The rates displayed below are the rates available today and can change at any time and the product you qualify for will be those available on the date of your appointment.
Three months before your mortgage deal period ends, 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 can change at anytime. The product you qualify for will be those available on the date of your appointment. When searching for your next rate, please use the latest valuation of your property to get the best result.
During your phone call we will also review your home and personal insurance, helping you to protect your home. If you are within the final three months of your mortgage deal, you can book a telephone appointment by selecting the button below.
*Please note, if you wish to switch deals and you are still within a product deal period then you will have to pay any early repayment charges.
Use our mortgage product selector to compare our latest mortgage deals
Our operating area is:
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £632.87 and 252 monthly payments of £796.91.
The total amount payable would be £216,120 made up of the loan amount plus interest (£116,010) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £632.87 and 252 monthly payments of £796.91.
The total amount payable would be £216,120 made up of the loan amount plus interest (£116,010) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £641.63 and 252 monthly payments of £797.64.
The total amount payable would be £216,514 made up of the loan amount plus interest (£116,404) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £641.63 and 252 monthly payments of £797.64.
The total amount payable would be £216,514 made up of the loan amount plus interest (£116,404) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £647.50 and 252 monthly payments of £798.13.
The total amount payable would be £216,779 made up of the loan amount plus interest (£116,669) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £647.50 and 252 monthly payments of £798.13.
The total amount payable would be £216,779 made up of the loan amount plus interest (£116,669) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £602.44 and 251 monthly payments of £793.64.
The total amount payable would be £214,375 made up of the loan amount plus interest (£114,265) and a repayment fee (£110).
The overall cost for comparison is 7.7% APRC representative.
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.
Your interest rate is fixed at 4.86% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 4.86% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £602.44 and 251 monthly payments of £793.64.
The total amount payable would be £214,375 made up of the loan amount plus interest (£114,265) and a repayment fee (£110).
The overall cost for comparison is 7.7% APRC representative.
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.
Your interest rate is fixed at 5.22% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 5.22% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £623.03 and 251 monthly payments of £795.56.
The total amount payable would be £215,371 made up of the loan amount plus interest (£115,261) and a repayment fee (£110).
The overall cost for comparison is 7.8% APRC representative.
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.
Your interest rate is fixed at 5.22% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 5.22% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £623.03 and 251 monthly payments of £795.56.
The total amount payable would be £215,371 made up of the loan amount plus interest (£115,261) and a repayment fee (£110).
The overall cost for comparison is 7.8% APRC representative.
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.
Your interest rate is fixed at 5.38% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £632.29 and 251 monthly payments of £796.40.
The total amount payable would be £215,814 made up of the loan amount plus interest (£115,704) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate is fixed at 5.38% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 5.38% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £632.29 and 251 monthly payments of £796.40.
The total amount payable would be £215,814 made up of the loan amount plus interest (£115,704) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate is fixed at 5.63% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 5.63% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £646.91 and 251 monthly payments of £797.68.
The total amount payable would be £216,500 made up of the loan amount plus interest (£116,390) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate is fixed at 5.63% until 1st February 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2026 at 5.63% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 25 monthly payments of £646.91 and 251 monthly payments of £797.68.
The total amount payable would be £216,500 made up of the loan amount plus interest (£116,390) and a repayment fee (£110).
The overall cost for comparison is 7.9% APRC representative.
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.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £586.68 and 215 monthly payments of £766.22.
The total amount payable would be £200,635 made up of the loan amount plus interest (£100,525) and a repayment fee (£110).
The overall cost for comparison is 6.7% APRC representative.
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.
Your interest rate is fixed at 4.58% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 4.58% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £586.68 and 215 monthly payments of £766.22.
The total amount payable would be £200,635 made up of the loan amount plus interest (£100,525) and a repayment fee (£110).
The overall cost for comparison is 6.7% APRC representative.
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.
Your interest rate is fixed at 4.75% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £596.23 and 215 monthly payments of £768.51.
The total amount payable would be £201,710 made up of the loan amount plus interest (£101,600) and a repayment fee (£110).
The overall cost for comparison is 6.8% APRC representative.
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.
Your interest rate is fixed at 4.75% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £596.23 and 215 monthly payments of £768.51.
The total amount payable would be £201,710 made up of the loan amount plus interest (£101,600) and a repayment fee (£110).
The overall cost for comparison is 6.8% APRC representative.
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.
Your interest rate is fixed at 4.91% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £605.28 and 215 monthly payments of £770.64.
The total amount payable would be £202,720 made up of the loan amount plus interest (£102,610) and a repayment fee (£110).
The overall cost for comparison is 6.9% APRC representative.
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.
Your interest rate is fixed at 4.91% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 4.91% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £605.28 and 215 monthly payments of £770.64.
The total amount payable would be £202,720 made up of the loan amount plus interest (£102,610) and a repayment fee (£110).
The overall cost for comparison is 6.9% APRC representative.
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.
Your interest rate is fixed at 5.20% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 5.20% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £621.88 and 215 monthly payments of £774.43.
The total amount payable would be £204,547 made up of the loan amount plus interest (£104,437) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
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.
Your interest rate is fixed at 5.20% until 1st February 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.
A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st February 2029 at 5.20% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 61 monthly payments of £621.88 and 215 monthly payments of £774.43.
The total amount payable would be £204,547 made up of the loan amount plus interest (£104,437) and a repayment fee (£110).
The overall cost for comparison is 7.0% APRC representative.
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.
£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.