Moving home with The Cumberland
Whether you're a new customer or have a mortgage with us already, you can rely on our help and expertise to make moving home as easy as possible.
Our latest deals
Use our mortgage product selector to compare our latest mortgage deals
Our operating area is:
- Cumbria (all CA and LA postcodes)
- South-West Scotland (all DG postcodes and TD9)
- West Northumberland (NE45-49)
- Preston area of North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7)
Please note that if the property you are looking to mortgage is outside of our operating area, there are restrictions if you wish to borrow on an interest-only basis. Please contact us for further details.
Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.96% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.13% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £367.47 and 276 monthly payments of £499.64.
The total amount payable would be £148,894 made up of the loan amount plus interest (£50,720), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.88% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £371.00 and 276 monthly payments of £500.00.
The total amount payable would be £148,078 made up of the loan amount plus interest (£50,904), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.88% 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)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £371.00 and 276 monthly payments of £500.00.
The total amount payable would be £148,338 made up of the loan amount plus interest (£50,904), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.86% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.23% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £371.88 and 276 monthly payments of £500.09.
The total amount payable would be £149,124 made up of the loan amount plus interest (£50,950), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 4.09%, 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £375.43 and 276 monthly payments of £500.45.
The total amount payable would be £148,309 made up of the loan amount plus interest (£51,135), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £375.43 and 276 monthly payments of £500.45.
The total amount payable would be £148,569 made up of the loan amount plus interest (£51,135), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £375.43 and 276 monthly payments of £500.45.
The total amount payable would be £148,309 made up of the loan amount plus interest (£51,135), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £375.43 and 276 monthly payments of £500.45.
The total amount payable would be £148,569 made up of the loan amount plus interest (£51,135), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £375.43 and 276 monthly payments of £500.45.
The total amount payable would be £148,309 made up of the loan amount plus interest (£51,135), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.71% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.38% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £378.55 and 276 monthly payments of £500.76.
The total amount payable would be £149,469 made up of the loan amount plus interest (£51,295), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 4.09%, less the agreed discount of 2.68% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £379.89 and 276 monthly payments of £500.89.
The total amount payable would be £148,537 made up of the loan amount plus interest (£51,363), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.68% 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)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £379.89 and 276 monthly payments of £500.89.
The total amount payable would be £148,797 made up of the loan amount plus interest (£51,363), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.68% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £379.89 and 276 monthly payments of £500.89.
The total amount payable would be £148,537 made up of the loan amount plus interest (£51,363), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.68% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £379.89 and 276 monthly payments of £500.89.
The total amount payable would be £148,537 made up of the loan amount plus interest (£51,363), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.63% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.46% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £382.14 and 276 monthly payments of £501.12.
The total amount payable would be £148,654 made up of the loan amount plus interest (£51,480), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.58% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.51% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £384.39 and 276 monthly payments of £501.34.
The total amount payable would be £148,769 made up of the loan amount plus interest (£51,595), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.53% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £386.65 and 276 monthly payments of £501.56.
The total amount payable would be £148,884 made up of the loan amount plus interest (£51,710), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.53% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £386.65 and 276 monthly payments of £501.56.
The total amount payable would be £148,884 made up of the loan amount plus interest (£51,710), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.43% 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
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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.
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.66% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £391.20 and 276 monthly payments of £501.99.
The total amount payable would be £149,112 made up of the loan amount plus interest (£51,938), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.35% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.74% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £394.86 and 276 monthly payments of £502.34.
The total amount payable would be £148,297 made up of the loan amount plus interest (£52,122) and other lending fees (£25).
The overall cost for comparison is 3.7% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.35% 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)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.74% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £394.86 and 276 monthly payments of £502.34.
The total amount payable would be £148,557 made up of the loan amount plus interest (£52,122), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.35% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.74% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £394.86 and 276 monthly payments of £502.34.
The total amount payable would be £148,297 made up of the loan amount plus interest (£52,122) and other lending fees (£25).
The overall cost for comparison is 3.7% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.25% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £399.46 and 276 monthly payments of £502.77.
The total amount payable would be £148,527 made up of the loan amount plus interest (£52,352) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.25% 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)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £399.46 and 276 monthly payments of £502.77.
The total amount payable would be £148,787 made up of the loan amount plus interest (£52,352), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.25% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £399.46 and 276 monthly payments of £502.77.
The total amount payable would be £148,527 made up of the loan amount plus interest (£52,352) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.15% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.94% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £404.10 and 276 monthly payments of £503.20.
The total amount payable would be £148,757 made up of the loan amount plus interest (£52,582) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.10% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 1.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £406.43 and 276 monthly payments of £503.41.
The total amount payable would be £148,870 made up of the loan amount plus interest (£52,695) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.00% for the first 2 years, followed by our SVR until the end of the mortgage.
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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
A mortgage of £96,000 payable over 25 years initially on this variable rate product for 2 years at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £411.12 and 276 monthly payments of £503.83.
The total amount payable would be £149,099 made up of the loan amount plus interest (£52,924) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.38% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.38% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £368.69 and 276 monthly payments of £487.72.
The total amount payable would be £145,633 made up of the loan amount plus interest (£49,959), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.46% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.46% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £372.19 and 276 monthly payments of £488.07.
The total amount payable would be £144,814 made up of the loan amount plus interest (£50,140), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.46% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.46% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £372.19 and 276 monthly payments of £488.07.
The total amount payable would be £145,074 made up of the loan amount plus interest (£50,140), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.48% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.48% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £373.06 and 276 monthly payments of £488.15.
The total amount payable would be £145,857 made up of the loan amount plus interest (£50,183), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.56% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.58 and 276 monthly payments of £488.50.
The total amount payable would be £145,038 made up of the loan amount plus interest (£50,364), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.56% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.58 and 276 monthly payments of £488.50.
The total amount payable would be £145,298 made up of the loan amount plus interest (£50,364), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.56% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.56% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.58 and 276 monthly payments of £488.50.
The total amount payable would be £145,288 made up of the loan amount plus interest (£50,364), arrangement fee (£1,249) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.66% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.66% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.01 and 276 monthly payments of £488.92.
The total amount payable would be £145,510 made up of the loan amount plus interest (£50,586), arrangement fee (£1,249) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.68% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.90 and 276 monthly payments of £489.01.
The total amount payable would be £146,306 made up of the loan amount plus interest (£50,632), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.76% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £385.47 and 276 monthly payments of £489.34.
The total amount payable would be £145,483 made up of the loan amount plus interest (£50,809), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.86% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.86% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £389.96 and 276 monthly payments of £489.76.
The total amount payable would be £145,957 made up of the loan amount plus interest (£51,033), arrangement fee (£1,249) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.99% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £395.85 and 276 monthly payments of £490.30.
The total amount payable would be £145,047 made up of the loan amount plus interest (£51,323), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 1.99% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 1.99% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £395.85 and 276 monthly payments of £490.30.
The total amount payable would be £145,307 made up of the loan amount plus interest (£51,323), arrangement fee (£49), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 2.09% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £400.41 and 276 monthly payments of £490.71.
The total amount payable would be £145,270 made up of the loan amount plus interest (£51,546), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 2.09% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £400.41 and 276 monthly payments of £490.71.
The total amount payable would be £145,530 made up of the loan amount plus interest (£51,546), arrangement fee (£49), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 2.09% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 2.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £400.41 and 276 monthly payments of £490.71.
The total amount payable would be £145,270 made up of the loan amount plus interest (£51,546), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 2.19% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £405.01 and 276 monthly payments of £491.12.
The total amount payable would be £145,493 made up of the loan amount plus interest (£51,769), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.8% 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 2.29% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 2.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £409.64 and 276 monthly payments of £491.52.
The total amount payable would be £145,715 made up of the loan amount plus interest (£51,991), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 2.39% until 1st July 2022, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021 and 1% before 2nd July 2022 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2022
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £93,500 payable over 25 years initially on this fixed rate product until 1st July 2022 at 2.39% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £414.30 and 276 monthly payments of £491.92.
The total amount payable would be £145,937 made up of the loan amount plus interest (£52,213), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.9% 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 1.70% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £402.69 and 240 monthly payments of £500.08.
The total amount payable would be £146,355 made up of the loan amount plus interest (£45,821), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 1.78% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.78% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £406.45 and 240 monthly payments of £500.95.
The total amount payable would be £145,789 made up of the loan amount plus interest (£46,255), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.3% 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 1.78% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.78% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £406.45 and 240 monthly payments of £500.95.
The total amount payable would be £146,049 made up of the loan amount plus interest (£46,255), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 1.80% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £407.39 and 240 monthly payments of £501.16.
The total amount payable would be £146,896 made up of the loan amount plus interest (£46,362), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 1.88% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £411.18 and 240 monthly payments of £502.03.
The total amount payable would be £146,332 made up of the loan amount plus interest (£46,798), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 1.88% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £411.18 and 240 monthly payments of £502.03.
The total amount payable would be £146,592 made up of the loan amount plus interest (£46,798), arrangement fee (£999), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 1.88% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £411.18 and 240 monthly payments of £502.03.
The total amount payable would be £146,582 made up of the loan amount plus interest (£46,798), arrangement fee (£1,249) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 1.98% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 1.98% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £415.95 and 240 monthly payments of £503.10.
The total amount payable would be £147,125 made up of the loan amount plus interest (£47,341), arrangement fee (£1,249) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 2.00% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.00% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £416.90 and 240 monthly payments of £503.32.
The total amount payable would be £147,985 made up of the loan amount plus interest (£47,451), arrangement fee (£1,999) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.08% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.08% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £420.74 and 240 monthly payments of £504.17.
The total amount payable would be £147,419 made up of the loan amount plus interest (£47,885), arrangement fee (£999) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 2.18% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.18% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £425.58 and 240 monthly payments of £505.23.
The total amount payable would be £148,214 made up of the loan amount plus interest (£48,430), arrangement fee (£1,249) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.31% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.91 and 240 monthly payments of £506.60.
The total amount payable would be £147,723 made up of the loan amount plus interest (£49,139), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.4% 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 2.31% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.31% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £431.91 and 240 monthly payments of £506.60.
The total amount payable would be £147,983 made up of the loan amount plus interest (£49,139), arrangement fee (£49), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.41% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £436.81 and 240 monthly payments of £507.64.
The total amount payable would be £148,266 made up of the loan amount plus interest (£49,682), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.41% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, 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)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £436.81 and 240 monthly payments of £507.64.
The total amount payable would be £148,526 made up of the loan amount plus interest (£49,682), arrangement fee (£49), valuation fee (£260) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.41% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.41% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £436.81 and 240 monthly payments of £507.64.
The total amount payable would be £148,266 made up of the loan amount plus interest (£49,682), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.51% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.51% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £441.75 and 240 monthly payments of £508.68.
The total amount payable would be £148,812 made up of the loan amount plus interest (£50,228), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.5% 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 2.61% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.61% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £446.73 and 240 monthly payments of £509.71.
The total amount payable would be £149,358 made up of the loan amount plus interest (£50,774), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.6% 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 2.71% until 1st July 2025, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- 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 July 2021, 4% before 2nd July 2022, 3% before 2nd July 2023, 2% before 2nd July 2024 and 1% before 2nd July 2025 of the amount repaid) if you repay all or part of your mortgage before 2nd July 2025
- Can add the arrangement fee to your mortgage, subject to maximum LTV.
A mortgage of £98,360 payable over 25 years initially on this fixed rate product until 1st July 2025 at 2.71% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 60 monthly payments of £451.73 and 240 monthly payments of £510.73.
The total amount payable would be £149,903 made up of the loan amount plus interest (£51,319), arrangement fee (£49) and other lending fees (£25).
The overall cost for comparison is 3.6% 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.
FAQs
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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.
Book an appointment with one of our mortgage and protection advisors and they’ll talk through the numbers and offer practical advice to help you plan your move.
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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.
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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!
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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.
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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.