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If your existing Cumberland mortgage is coming to an end or you want to switch to a different one, choose from our award-winning range.
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Time for a new deal?

If you have a mortgage with us which is coming to the end of its initial deal period, you may be able to switch to a new one.

Changing to a new mortgage deal may help keep your monthly payments lower. It's also an opportunity to consider whether you want to release some funds to spend on improving your home.

Our mortgage selector can help you find the best mortgage deal for you, or you can call into any of our branches and speak to one of our mortgage advisers.

If you wish to switch deals and you are still within a product deal period (i.e. your discount rate has not yet ended), you will have to pay any early repayment charges which apply to your existing deal.

As a condition of any mortgage you will need to ensure that the property is adequately insured (e.g. Building Insurance), however, this insurance does not have to be arranged through us.

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.

Our latest deals

Use our mortgage product selector to compare our latest mortgage deals

£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £455.21 and 252 monthly payments of £596.66.

The total amount payable would be £162,392 made up of the loan amount plus interest (£61,283) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £455.21 and 252 monthly payments of £596.66.

The total amount payable would be £162,392 made up of the loan amount plus interest (£61,283) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £455.21 and 252 monthly payments of £596.66.

The total amount payable would be £162,392 made up of the loan amount plus interest (£61,283) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £455.21 and 252 monthly payments of £596.66.

The total amount payable would be £162,392 made up of the loan amount plus interest (£61,283) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £459.57 and 252 monthly payments of £597.11.

The total amount payable would be £162,610 made up of the loan amount plus interest (£61,501) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £459.57 and 252 monthly payments of £597.11.

The total amount payable would be £162,610 made up of the loan amount plus interest (£61,501) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £460.06 and 252 monthly payments of £597.16.

The total amount payable would be £162,635 made up of the loan amount plus interest (£61,526) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £460.06 and 252 monthly payments of £597.16.

The total amount payable would be £162,635 made up of the loan amount plus interest (£61,526) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £460.06 and 252 monthly payments of £597.16.

The total amount payable would be £162,635 made up of the loan amount plus interest (£61,526) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £460.06 and 252 monthly payments of £597.16.

The total amount payable would be £162,635 made up of the loan amount plus interest (£61,526) and arrangement fee (£999).

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £462.50 and 252 monthly payments of £597.41.

The total amount payable would be £162,756 made up of the loan amount plus interest (£61,647) and arrangement fee (£999).

The overall cost for comparison is 4.7% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £462.50 and 252 monthly payments of £597.41.

The total amount payable would be £162,756 made up of the loan amount plus interest (£61,647) and arrangement fee (£999).

The overall cost for comparison is 4.7% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £473.31 and 252 monthly payments of £598.51.

The total amount payable would be £162,294 made up of the loan amount plus interest (£62,184), and .

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £473.31 and 252 monthly payments of £598.51.

The total amount payable would be £162,294 made up of the loan amount plus interest (£62,184), and .

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £473.31 and 252 monthly payments of £598.51.

The total amount payable would be £162,294 made up of the loan amount plus interest (£62,184), and .

The overall cost for comparison is 4.6% 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.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% 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 £100,000 payable over 23 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £473.31 and 252 monthly payments of £598.51.

The total amount payable would be £162,294 made up of the loan amount plus interest (£62,184), and .

The overall cost for comparison is 4.6% 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
3.10%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £507.15 and 213 monthly payments of £588.18.

The total amount payable would be £157,343 made up of the loan amount plus interest (£57,233), and .

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.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £507.15 and 213 monthly payments of £588.18.

The total amount payable would be £157,343 made up of the loan amount plus interest (£57,233), and .

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.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £514.92 and 213 monthly payments of £590.00.

The total amount payable would be £158,220 made up of the loan amount plus interest (£58,110), and .

The overall cost for comparison is 4.3% 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
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £514.92 and 213 monthly payments of £590.00.

The total amount payable would be £158,220 made up of the loan amount plus interest (£58,110), and .

The overall cost for comparison is 4.3% 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
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £519.09 and 213 monthly payments of £590.96.

The total amount payable would be £158,687 made up of the loan amount plus interest (£58,577), and .

The overall cost for comparison is 4.3% 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
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £519.09 and 213 monthly payments of £590.96.

The total amount payable would be £158,687 made up of the loan amount plus interest (£58,577), and .

The overall cost for comparison is 4.3% 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
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £520.13 and 249 monthly payments of £602.03.

The total amount payable would be £164,059 made up of the loan amount plus interest (£63,949), and .

The overall cost for comparison is 4.7% 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.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £520.13 and 249 monthly payments of £602.03.

The total amount payable would be £164,059 made up of the loan amount plus interest (£63,949), and .

The overall cost for comparison is 4.7% 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
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £524.33 and 213 monthly payments of £592.16.

The total amount payable would be £159,273 made up of the loan amount plus interest (£59,163), and .

The overall cost for comparison is 4.4% 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
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £524.33 and 213 monthly payments of £592.16.

The total amount payable would be £159,273 made up of the loan amount plus interest (£59,163), and .

The overall cost for comparison is 4.4% 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.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £528.01 and 249 monthly payments of £602.80.

The total amount payable would be £164,463 made up of the loan amount plus interest (£64,353), and .

The overall cost for comparison is 4.8% 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
3.50%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £528.01 and 249 monthly payments of £602.80.

The total amount payable would be £164,463 made up of the loan amount plus interest (£64,353), and .

The overall cost for comparison is 4.8% 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
3.58%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £532.24 and 249 monthly payments of £603.20.

The total amount payable would be £164,677 made up of the loan amount plus interest (£64,567), and .

The overall cost for comparison is 4.8% 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
3.58%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £532.24 and 249 monthly payments of £603.20.

The total amount payable would be £164,677 made up of the loan amount plus interest (£64,567), and .

The overall cost for comparison is 4.8% 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
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £534.36 and 213 monthly payments of £594.43.

The total amount payable would be £160,388 made up of the loan amount plus interest (£60,278), and .

The overall cost for comparison is 4.5% 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
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £534.36 and 213 monthly payments of £594.43.

The total amount payable would be £160,388 made up of the loan amount plus interest (£60,278), and .

The overall cost for comparison is 4.5% 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.

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £537.55 and 249 monthly payments of £603.70.

The total amount payable would be £164,945 made up of the loan amount plus interest (£64,835), and .

The overall cost for comparison is 4.8% 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
3.68%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £537.55 and 249 monthly payments of £603.70.

The total amount payable would be £164,945 made up of the loan amount plus interest (£64,835), and .

The overall cost for comparison is 4.8% 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.

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£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.