MORTGAGES FOR MOVING HOME

We can help you find the right, great value mortgage to get you moving.
Find out how much you could borrow and your monthly payments
Mortgage Calculator

How are we different?

There are many reasons for moving home. No matter what the reason is, we can provide you with a great value mortgage and help steer you through the process of moving home.

- We offer a range of fixed and variable rate mortgages for 2, 3 and 5 years
- Our team of expert underwriters will look at your specific circumstances
- You can speak to our mortgage and protection advisors about your application at any time
- We go out of our way to ensure our products and services meet the needs of our customers

STEPS TO MOVING YOUR MORTGAGE

Get started with moving home and your mortgage to The Cumberland.

1. Mortgage calculator
Find out how much you could borrow in 2 minutes.
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2. Got a question?
Chat online with us or give us a call.
Get in touch
3. Book an appointment
Have your appointment either in your local branch or over the phone.
Schedule appointment

Happy Mortgage Customers

Our Current Deals

Please enter your requirements below to display the appropriate available deals beneath

£100,000
£20,000
20 Years
Not available through brokers
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT RATE
1.37%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.37% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.37% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £574.92 and 192 monthly payments of £737.14.

The total amount payable would be £156,438 made up of the loan amount plus interest (£45,329), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.44%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.30% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £578.41 and 192 monthly payments of £737.62.

The total amount payable would be £156,614 made up of the loan amount plus interest (£45,505), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £579.91 and 192 monthly payments of £737.82.

The total amount payable would be £156,688 made up of the loan amount plus interest (£45,579), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £579.91 and 192 monthly payments of £737.82.

The total amount payable would be £156,988 made up of the loan amount plus interest (£45,579), arrangement fee (£999), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £579.91 and 192 monthly payments of £737.82.

The total amount payable would be £156,988 made up of the loan amount plus interest (£45,579), arrangement fee (£999), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £583.42 and 192 monthly payments of £738.29.

The total amount payable would be £156,863 made up of the loan amount plus interest (£45,754), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £583.42 and 192 monthly payments of £738.29.

The total amount payable would be £157,163 made up of the loan amount plus interest (£45,754), arrangement fee (£999), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.17% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £584.93 and 192 monthly payments of £738.50.

The total amount payable would be £157,239 made up of the loan amount plus interest (£45,830), arrangement fee (£999), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.17% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £584.93 and 192 monthly payments of £738.50.

The total amount payable would be £157,239 made up of the loan amount plus interest (£45,830), arrangement fee (£999), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.58%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.16% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £585.44 and 192 monthly payments of £738.56.

The total amount payable would be £156,963 made up of the loan amount plus interest (£45,854), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.64%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.10% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £588.46 and 192 monthly payments of £738.97.

The total amount payable would be £157,414 made up of the loan amount plus interest (£46,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.67%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.07% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £589.98 and 192 monthly payments of £739.17.

The total amount payable would be £157,189 made up of the loan amount plus interest (£46,080), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.68%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.06% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.68% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £590.49 and 192 monthly payments of £739.23.

The total amount payable would be £157,213 made up of the loan amount plus interest (£46,104), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.77%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.97% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.77% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £595.06 and 192 monthly payments of £739.83.

The total amount payable would be £157,438 made up of the loan amount plus interest (£46,329), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.97%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.77% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £605.29 and 192 monthly payments of £741.15.

The total amount payable would be £157,238 made up of the loan amount plus interest (£46,828), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.98%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.76% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 1.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £605.80 and 192 monthly payments of £741.22.

The total amount payable would be £157,962 made up of the loan amount plus interest (£46,853), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.04%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.70% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.04% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £608.90 and 192 monthly payments of £741.61.

The total amount payable would be £157,413 made up of the loan amount plus interest (£47,003), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.08%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.66% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £610.96 and 192 monthly payments of £741.88.

The total amount payable would be £158,213 made up of the loan amount plus interest (£47,104), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.10%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.64% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.10% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £612.00 and 192 monthly payments of £742.01.

The total amount payable would be £157,564 made up of the loan amount plus interest (£47,154), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.18%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.56% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.18% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £616.15 and 192 monthly payments of £742.53.

The total amount payable would be £157,763 made up of the loan amount plus interest (£47,353), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.22%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.52% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.22% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £618.23 and 192 monthly payments of £742.79.

The total amount payable would be £157,863 made up of the loan amount plus interest (£47,453), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.22%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.52% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.22% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £618.23 and 192 monthly payments of £742.79.

The total amount payable would be £157,863 made up of the loan amount plus interest (£47,453), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.27%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.47% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.27% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £620.84 and 192 monthly payments of £743.11.

The total amount payable would be £157,987 made up of the loan amount plus interest (£47,577), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.29%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.45% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £621.89 and 192 monthly payments of £743.24.

The total amount payable would be £158,037 made up of the loan amount plus interest (£47,627), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.58%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.16% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £110,000 payable over 18 years initially on this variable rate product for 2 years at 2.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £637.17 and 192 monthly payments of £745.10.

The total amount payable would be £158,761 made up of the loan amount plus interest (£48,351), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.62%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 1.62% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 1.62% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £442.14 and 336 monthly payments of £642.30.

The total amount payable would be £227,533 made up of the loan amount plus interest (£100,424), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.74%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 1.74% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 1.74% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £449.51 and 336 monthly payments of £642.95.

The total amount payable would be £227,928 made up of the loan amount plus interest (£100,819), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.88%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 1.88% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 1.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £458.20 and 336 monthly payments of £643.69.

The total amount payable would be £228,386 made up of the loan amount plus interest (£101,277), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.97%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 1.97% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £463.83 and 336 monthly payments of £644.16.

The total amount payable would be £228,679 made up of the loan amount plus interest (£101,570), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.12%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 60%

Your interest rate is fixed at 2.12% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 2.12% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £473.32 and 336 monthly payments of £644.94.

The total amount payable would be £228,669 made up of the loan amount plus interest (£102,060), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.24%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 75%

Your interest rate is fixed at 2.24% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 2.24% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £480.99 and 336 monthly payments of £645.55.

The total amount payable would be £229,058 made up of the loan amount plus interest (£102,449), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.28%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.28% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £483.56 and 336 monthly payments of £645.75.

The total amount payable would be £229,686 made up of the loan amount plus interest (£102,577), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.38%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 80%

Your interest rate is fixed at 2.38% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 2.38% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £490.03 and 336 monthly payments of £646.26.

The total amount payable would be £229,513 made up of the loan amount plus interest (£102,904), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.47%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 85%

Your interest rate is fixed at 2.47% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 2.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £495.89 and 336 monthly payments of £646.70.

The total amount payable would be £229,802 made up of the loan amount plus interest (£103,193), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.78%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 90%

Your interest rate is fixed at 2.78% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 2.78% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £516.39 and 336 monthly payments of £648.21.

The total amount payable would be £230,801 made up of the loan amount plus interest (£104,192), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
3.63%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 95%

Your interest rate is fixed at 3.63% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, 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
  • Cashback - £250 cashback
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £126,000 payable over 30 years initially on this fixed rate product until 1st December 2020 at 3.63% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £574.98 and 336 monthly payments of £652.06.

The total amount payable would be £233,241 made up of the loan amount plus interest (£106,892), arrangement fee (£199) and other lending fees (£150).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.05%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 2.05% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.05% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £425.44 and 240 monthly payments of £540.45.

The total amount payable would be £156,343 made up of the loan amount plus interest (£55,434), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.21%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 2.21% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.21% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £433.28 and 240 monthly payments of £542.27.

The total amount payable would be £157,251 made up of the loan amount plus interest (£56,342), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.25%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 60%

Your interest rate is fixed at 2.25% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.25% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £435.26 and 240 monthly payments of £542.72.

The total amount payable would be £156,977 made up of the loan amount plus interest (£56,568), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.36%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 2.36% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.36% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £440.72 and 240 monthly payments of £543.95.

The total amount payable would be £158,100 made up of the loan amount plus interest (£57,191), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.41%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 75%

Your interest rate is fixed at 2.41% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.41% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £443.21 and 240 monthly payments of £544.51.

The total amount payable would be £157,884 made up of the loan amount plus interest (£57,475), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.47%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.47% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £446.21 and 240 monthly payments of £545.18.

The total amount payable would be £158,725 made up of the loan amount plus interest (£57,816), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.56%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 80%

Your interest rate is fixed at 2.56% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.56% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £450.74 and 240 monthly payments of £546.17.

The total amount payable would be £158,734 made up of the loan amount plus interest (£58,325), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.66%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 95%

Available when a family member provides their Cumberland savings as additional security. Contact us for more details.

Your interest rate is fixed at 2.66% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.66% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £455.80 and 240 monthly payments of £547.27.

The total amount payable would be £159,302 made up of the loan amount plus interest (£58,893), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.67%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 85%

Your interest rate is fixed at 2.67% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 2.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £456.31 and 240 monthly payments of £547.38.

The total amount payable would be £159,359 made up of the loan amount plus interest (£58,950), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
3.08%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 3.08% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 3.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £477.43 and 240 monthly payments of £551.80.

The total amount payable would be £162,187 made up of the loan amount plus interest (£61,278), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
3.16%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 95%

Available when a family member provides their property as additional security. Contact us for more details.

Your interest rate is fixed at 3.16% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • Legal Contribution - £250 contribution towards legal fees
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 3.16% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £481.61 and 240 monthly payments of £552.65.

The total amount payable would be £162,142 made up of the loan amount plus interest (£61,733), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
3.28%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 90%

Your interest rate is fixed at 3.28% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 3.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £487.92 and 240 monthly payments of £553.91.

The total amount payable would be £162,823 made up of the loan amount plus interest (£62,414), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
4.19%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£199
Loan To Value
Up to 95%

Your interest rate is fixed at 4.19% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, 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
  • Cashback - £250 cashback
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £99,800 payable over 25 years initially on this fixed rate product until 1st December 2023 at 4.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £537.31 and 240 monthly payments of £563.11.

The total amount payable would be £167,734 made up of the loan amount plus interest (£67,585), arrangement fee (£199) and other lending fees (£150).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.5% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 276 monthly payments of £517.00.

The total amount payable would be £143,897 made up of the loan amount plus interest (£42,692), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.5% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 276 monthly payments of £517.00.

The total amount payable would be £143,897 made up of the loan amount plus interest (£42,692), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.5% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 276 monthly payments of £517.00.

The total amount payable would be £143,897 made up of the loan amount plus interest (£42,692), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.49%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.25% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.49%, would require 276 monthly payments of £527.48.

The total amount payable would be £146,789 made up of the loan amount plus interest (£45,584), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.49%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.25% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.49%, would require 276 monthly payments of £527.48.

The total amount payable would be £146,789 made up of the loan amount plus interest (£45,584), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from the Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Key Facts Illustration, please contact us directly.

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THE STEPS TO BUYING YOUR NEW HOME

  • How do I book an appointment?

    To arrange an appointment with one of our mortgage and protection advisors, you can either call us on 01228 403141, book an appointment online, chat to us on web chat or pop into your local branch.

  • Do you offer mortgages throughout the UK?

    We offer mortgages throughout the mainland UK - to see which of our products you could be eligible for, use our mortgage calculator.

  • Where do I start?

    Talk to us. 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.

    Arrange 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.

  • 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.

  • What does 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!

  • Are you listed with brokers?

    We don’t pay local brokers to tell you about our mortgages, so they’re unlikely to recommend us. Use our mortgage calculator to see if you could save money by remortgaging to us.

Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.