A little call could start a big move

When you’ve spent more hours at home than ever before, we know it’s the little things that can inspire a big move.
Request a call back

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All you have to do is take 10 minutes to fill in a quick survey about your experience of buying your first home to enter our prize draw.
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Moving home with The Cumberland

We are now offering residential mortgages up to 95% loan to value (LTV) in our operating area and up to 90% throughout the rest of the UK (75% in London & SE England).

We’re here to help 7 days a week
Any questions? You can speak to us about your mortgage 7 days a week.
Platinum-rated customer service
Providing great service is something we’re really proud of. We’ve won Feefo’s Platinum Trusted Service Award for 2021.
Support for existing customers
You may be able to take your existing mortgage with you to your next home, known as porting.

Alex’s renovation story

From 1970’s decor to bright and airy family space – see how Alex transformed her forever home.

Next steps

See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us.
Check you can apply
Answer a couple of questions to get an initial indication of whether we might be able to help you or not.
Request a call from a mortgage specialist
Our mortgage hub teams are ready and waiting to help, and will aim to get back to you within one working day.
Where We Lend

We provide mortgages on properties throughout England, Scotland and Wales. Some of our mortgages are only available on properties in our branch operating area.

Our operating area is Cumbria (all CA and LA postcodes), South-West Scotland (all DG postcodes and TD9), West Northumberland (NE45-49) and North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7).

Use our Mortgage Calculator to find out which mortgages are available to you.

Mortgage Calculator

FAQs

  • Where do I start?

    Moving home is a big step and there’s a lot to consider. Getting the right advice about a mortgage early in the process is one of the best things you can do. Knowing what you can afford is likely to influence which property you choose, and the last thing you want is to find your dream home and then discover you can’t buy it.

    The quickest way to speak to a mortgage specialist that can help you get on or move up the property ladder, or remortgage is to request a call back.

    Our mortgage hub teams are ready and waiting to help, and will aim to get back to you within one working day.

  • 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.

  • How much will it cost?

    On top of any deposit you may be putting down you’ll need to consider the other costs that come with moving home.

    You’ll need to factor in estate agency costs for the sale of your present home, and add conveyancing and Land Registry fees for the legal work involved. There may be costs associated with taking a new mortgage such as valuation and arrangement fees, and if you’re buying over £125,000 you will have to pay Stamp Duty Land Tax.

    Removal firm costs need to be budgeted for unless you’re doing it yourself, and it’s always wise to plan for any large purchases that you need to make in the first few days after moving in. Remember, if you’re leaving a home with built-in kitchen appliances and there isn’t any in your new home you could have a large bill just when you don’t need it!

  • Can I move my existing mortgage over to my new home?

    If you're an existing borrower with us and you wish to move home, porting is where you can transfer the terms and conditions of your existing mortgage to a new property.

    It's a straightforward process and most of our mortgage products are portable. Book an appointment with one of our mortgage and protection advisors for more information.

  • Do you offer mortgages throughout the UK?
    Yes, we lend all over the UK, although some of our mortgages are only available in certain areas. Contact us to discuss your circumstances.
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.