MORTGAGES FOR MOVING HOME

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

HELPING YOU MOVE HOME

There are many reasons for moving home. You might need more room (or rooms!), a job move may require you to relocate or it could be you just fancy a change. 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 help thousands of people buy a new home each year and, as we’ve been doing it for over 165 years, we know a thing or two about what you need to consider before, during and after your move. Talk to one of our friendly team and they'll answer any questions you have, from how to deal with estate agents and surveyors reports to when to book the removal van. We’ll also make sure your mortgage is sorted as quickly and easily as possible, leaving you to concentrate on planning your move.

First, have a look at our mortgage deals...

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
1.08%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.41% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £404.64 and 192 monthly payments of £521.39.

The total amount payable would be £110,927 made up of the loan amount plus interest (£30,418), 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
2 YEAR DISCOUNT RATE
1.14%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.35% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.14% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £406.77 and 192 monthly payments of £521.69.

The total amount payable would be £111,336 made up of the loan amount plus interest (£30,527), arrangement fee (£999), 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
2 YEAR DISCOUNT RATE
1.14%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.35% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.14% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £406.77 and 192 monthly payments of £521.69.

The total amount payable would be £111,336 made up of the loan amount plus interest (£30,527), arrangement fee (£999), 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
2 YEAR DISCOUNT RATE
1.18%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.31% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.18% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £408.19 and 192 monthly payments of £521.88.

The total amount payable would be £111,107 made up of the loan amount plus interest (£30,598), 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
2 YEAR DISCOUNT RATE
1.19%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £408.55 and 192 monthly payments of £521.93.

The total amount payable would be £111,125 made up of the loan amount plus interest (£30,616), 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
2 YEAR DISCOUNT RATE
1.19%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £408.55 and 192 monthly payments of £521.93.

The total amount payable would be £111,425 made up of the loan amount plus interest (£30,616), arrangement fee (£999), 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
2 YEAR DISCOUNT RATE
1.24%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.25% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.24% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £410.33 and 192 monthly payments of £522.17.

The total amount payable would be £111,214 made up of the loan amount plus interest (£30,705), 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
2 YEAR DISCOUNT RATE
1.24%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.25% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.24% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £410.33 and 192 monthly payments of £522.17.

The total amount payable would be £111,514 made up of the loan amount plus interest (£30,705), arrangement fee (£999), 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
2 YEAR DISCOUNT RATE
1.24%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.25% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.24% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £410.33 and 192 monthly payments of £522.17.

The total amount payable would be £111,514 made up of the loan amount plus interest (£30,705), arrangement fee (£999), 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
2 YEAR DISCOUNT RATE
1.29%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £412.12 and 192 monthly payments of £522.41.

The total amount payable would be £111,603 made up of the loan amount plus interest (£30,794), arrangement fee (£999), 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
2 YEAR DISCOUNT RATE
1.29%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £412.12 and 192 monthly payments of £522.41.

The total amount payable would be £111,303 made up of the loan amount plus interest (£30,794), 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
2 YEAR DISCOUNT RATE
1.34%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.15% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.34% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £413.91 and 192 monthly payments of £522.66.

The total amount payable would be £111,394 made up of the loan amount plus interest (£30,885), 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
2 YEAR DISCOUNT RATE
1.53%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.96% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.53% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £420.76 and 192 monthly payments of £523.57.

The total amount payable would be £111,733 made up of the loan amount plus interest (£31,224), 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
2 YEAR DISCOUNT RATE
1.63%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.86% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.63% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £424.40 and 192 monthly payments of £524.04.

The total amount payable would be £111,910 made up of the loan amount plus interest (£31,401), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.81% 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 £79,400 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 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £426.22 and 192 monthly payments of £524.28.

The total amount payable would be £111,301 made up of the loan amount plus interest (£31,491), 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
2 YEAR DISCOUNT RATE
1.73%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.73% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £428.06 and 192 monthly payments of £524.52.

The total amount payable would be £112,090 made up of the loan amount plus interest (£31,581), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
1.79%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.79% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £430.26 and 192 monthly payments of £524.80.

The total amount payable would be £111,498 made up of the loan amount plus interest (£31,688), 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
2 YEAR DISCOUNT RATE
1.83%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.83% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £431.73 and 192 monthly payments of £524.99.

The total amount payable would be £112,269 made up of the loan amount plus interest (£31,760), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
1.84%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.65% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.84% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £432.10 and 192 monthly payments of £525.04.

The total amount payable would be £111,588 made up of the loan amount plus interest (£31,778), 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
2 YEAR DISCOUNT RATE
1.89%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.60% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.89% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £433.95 and 192 monthly payments of £525.27.

The total amount payable would be £111,677 made up of the loan amount plus interest (£31,867), 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
2 YEAR DISCOUNT RATE
1.89%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.60% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.89% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £433.95 and 192 monthly payments of £525.27.

The total amount payable would be £111,677 made up of the loan amount plus interest (£31,867), 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
2 YEAR DISCOUNT RATE
1.94%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.55% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 1.94% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £435.80 and 192 monthly payments of £525.51.

The total amount payable would be £111,767 made up of the loan amount plus interest (£31,957), 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
2 YEAR DISCOUNT RATE
2.13%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.36% 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 2.13% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £442.87 and 192 monthly payments of £526.39.

The total amount payable would be £112,106 made up of the loan amount plus interest (£32,296), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
2.33%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 £79,400 payable over 18 years initially on this variable rate product for 2 years at 2.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £450.40 and 192 monthly payments of £527.31.

The total amount payable would be £112,463 made up of the loan amount plus interest (£32,653), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
1.59%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 1.59% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 1.59% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £331.43 and 275 monthly payments of £444.98.

The total amount payable would be £131,764 made up of the loan amount plus interest (£48,655), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
1.64%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 1.64% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 1.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £333.37 and 275 monthly payments of £445.19.

The total amount payable would be £131,871 made up of the loan amount plus interest (£48,762), 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 FIXED RATE
1.79%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 1.79% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 1.79% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £339.24 and 275 monthly payments of £445.79.

The total amount payable would be £132,182 made up of the loan amount plus interest (£49,073), 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 FIXED RATE
1.83%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 1.83% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 1.83% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £340.81 and 275 monthly payments of £445.95.

The total amount payable would be £132,266 made up of the loan amount plus interest (£49,157), 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 FIXED RATE
2.09%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 60%

Your interest rate is fixed at 2.09% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 2.09% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £351.16 and 275 monthly payments of £446.97.

The total amount payable would be £132,305 made up of the loan amount plus interest (£49,696), 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
2 YEAR FIXED RATE
2.14%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 75%

Your interest rate is fixed at 2.14% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 2.14% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £353.18 and 275 monthly payments of £447.16.

The total amount payable would be £132,408 made up of the loan amount plus interest (£49,799), 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
2 YEAR FIXED RATE
2.29%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 80%

Your interest rate is fixed at 2.29% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 2.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £359.25 and 275 monthly payments of £447.74.

The total amount payable would be £132,719 made up of the loan amount plus interest (£50,110), 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
2 YEAR FIXED RATE
2.33%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 85%

Your interest rate is fixed at 2.33% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 2.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £360.88 and 275 monthly payments of £447.89.

The total amount payable would be £132,801 made up of the loan amount plus interest (£50,192), 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
2 YEAR FIXED RATE
2.43%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.43% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 2.43% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £364.98 and 275 monthly payments of £448.27.

The total amount payable would be £133,508 made up of the loan amount plus interest (£50,399), 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 FIXED RATE
2.93%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 90%

Your interest rate is fixed at 2.93% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 2.93% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £385.87 and 275 monthly payments of £450.12.

The total amount payable would be £134,039 made up of the loan amount plus interest (£51,430), 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
2 YEAR FIXED RATE
3.71%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 95%

Your interest rate is fixed at 3.71% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £82,000 payable over 25 years initially on this fixed rate product until 1st September 2020 at 3.71% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £419.80 and 275 monthly payments of £452.83.

The total amount payable would be £135,372 made up of the loan amount plus interest (£53,023), arrangement fee (£199) 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
3 YEAR FIXED RATE
1.80%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 1.80% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 1.80% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £262.58 and 323 monthly payments of £358.75.

The total amount payable would be £126,701 made up of the loan amount plus interest (£52,592), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
1.92%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 1.92% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 1.92% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £266.91 and 323 monthly payments of £359.30.

The total amount payable would be £127,039 made up of the loan amount plus interest (£52,930), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
1.97%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 1.97% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £268.73 and 323 monthly payments of £359.52.

The total amount payable would be £127,177 made up of the loan amount plus interest (£53,068), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
2.15%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 60%

Your interest rate is fixed at 2.15% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 2.15% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £275.33 and 323 monthly payments of £360.33.

The total amount payable would be £127,183 made up of the loan amount plus interest (£53,574), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
2.18%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.18% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 2.18% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £276.44 and 323 monthly payments of £360.46.

The total amount payable would be £127,766 made up of the loan amount plus interest (£53,657), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
2.27%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 75%

Your interest rate is fixed at 2.27% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 2.27% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £279.78 and 323 monthly payments of £360.86.

The total amount payable would be £127,519 made up of the loan amount plus interest (£53,910), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
2.32%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 80%

Your interest rate is fixed at 2.32% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 2.32% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £281.65 and 323 monthly payments of £361.08.

The total amount payable would be £127,659 made up of the loan amount plus interest (£54,050), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
3 YEAR FIXED RATE
2.53%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 85%

Your interest rate is fixed at 2.53% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 2.53% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £289.58 and 323 monthly payments of £361.98.

The total amount payable would be £128,243 made up of the loan amount plus interest (£54,634), 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
3 YEAR FIXED RATE
2.73%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.73% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 2.73% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £297.24 and 323 monthly payments of £362.82.

The total amount payable would be £129,298 made up of the loan amount plus interest (£55,189), 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
3 YEAR FIXED RATE
3.08%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 90%

Your interest rate is fixed at 3.08% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st September 2021 at 3.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £310.93 and 323 monthly payments of £364.26.

The total amount payable would be £129,769 made up of the loan amount plus interest (£56,160), 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
2.00%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 2.00% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.00% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £518.80 and 239 monthly payments of £647.72.

The total amount payable would be £187,561 made up of the loan amount plus interest (£64,052), arrangement fee (£699), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.6% 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
5 YEAR FIXED RATE
2.14%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 2.14% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.14% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £527.18 and 239 monthly payments of £649.68.

The total amount payable would be £188,541 made up of the loan amount plus interest (£65,032), arrangement fee (£699), 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
5 YEAR FIXED RATE
2.20%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 60%

Your interest rate is fixed at 2.20% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.20% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £530.80 and 239 monthly payments of £650.50.

The total amount payable would be £188,457 made up of the loan amount plus interest (£65,448), arrangement fee (£199), 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
5 YEAR FIXED RATE
2.29%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 2.29% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £536.25 and 239 monthly payments of £651.75.

The total amount payable would be £189,589 made up of the loan amount plus interest (£66,080), arrangement fee (£699), 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
5 YEAR FIXED RATE
2.34%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 75%

Your interest rate is fixed at 2.34% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.34% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £539.30 and 239 monthly payments of £652.43.

The total amount payable would be £189,437 made up of the loan amount plus interest (£66,428), arrangement fee (£199), 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
5 YEAR FIXED RATE
2.44%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.44% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £545.42 and 239 monthly payments of £653.79.

The total amount payable would be £190,635 made up of the loan amount plus interest (£67,126), 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
2.49%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 80%

Your interest rate is fixed at 2.49% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.49% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £548.49 and 239 monthly payments of £654.47.

The total amount payable would be £190,485 made up of the loan amount plus interest (£67,476), arrangement fee (£199), 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
2.59%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
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 2.59% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.59% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £554.67 and 239 monthly payments of £655.82.

The total amount payable would be £191,185 made up of the loan amount plus interest (£68,176), arrangement fee (£199), 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
2.64%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 85%

Your interest rate is fixed at 2.64% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £557.78 and 239 monthly payments of £656.49.

The total amount payable would be £191,535 made up of the loan amount plus interest (£68,526), arrangement fee (£199), 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
2.97%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.97% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 2.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £578.53 and 239 monthly payments of £660.86.

The total amount payable would be £194,345 made up of the loan amount plus interest (£70,836), 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
3.09%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
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 3.09% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 3.09% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £586.18 and 239 monthly payments of £662.43.

The total amount payable would be £194,687 made up of the loan amount plus interest (£71,678), 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
3.17%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 90%

Your interest rate is fixed at 3.17% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 3.17% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £591.32 and 239 monthly payments of £663.46.

The total amount payable would be £195,246 made up of the loan amount plus interest (£72,237), arrangement fee (£199), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 4.1% 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
4.29%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£199
Loan To Value
Up to 95%

Your interest rate is fixed at 4.29% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, 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 September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £122,400 payable over 25 years initially on this fixed rate product until 1st September 2023 at 4.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £665.83 and 239 monthly payments of £677.31.

The total amount payable would be £202,842 made up of the loan amount plus interest (£80,093), arrangement fee (£199) 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
OFFSET
3.04%
Until End Of Mortgage
3.2% 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 4.49%, 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 3.04%, would require 276 monthly payments of £504.07.

The total amount payable would be £140,328 made up of the loan amount plus interest (£39,123), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.2% 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
OFFSET
3.04%
Until End Of Mortgage
3.2% 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 4.49%, 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 3.04%, would require 276 monthly payments of £504.07.

The total amount payable would be £140,328 made up of the loan amount plus interest (£39,123), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.2% 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
OFFSET
3.04%
Until End Of Mortgage
3.2% 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 4.49%, 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 3.04%, would require 276 monthly payments of £504.07.

The total amount payable would be £140,328 made up of the loan amount plus interest (£39,123), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.2% 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
OFFSET
3.24%
Until End Of Mortgage
3.4% 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 4.49%, 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 3.24%, would require 276 monthly payments of £514.40.

The total amount payable would be £143,179 made up of the loan amount plus interest (£41,974), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.4% 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
OFFSET
3.24%
Until End Of Mortgage
3.4% 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 4.49%, 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 3.24%, would require 276 monthly payments of £514.40.

The total amount payable would be £143,179 made up of the loan amount plus interest (£41,974), arrangement fee (£795), valuation fee (£260) and other lending fees (£150).

The overall cost for comparison is 3.4% 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.

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Where We Lend

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

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

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

Mortgage Calculator

THE STEPS TO BUYING YOUR NEW HOME

  • 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!

  • 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 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 advisors.

  • Insurance

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

£100 Cashback

Qualifying conditions

New Current Account Customers
To qualify, you must switch your main current account to the Cumberland using the Cumberland switching service
Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process. Payable once per current account. Maximum one eligible current account per mortgage application.
Existing Current Account Customers
To qualify, you must have your main current account with the Cumberland
It must be funded with a minimum of £750 per month for the 3 successive months prior to your application. The £100 will be credited to your Cumberland current account shortly after your mortgage has been completed. Payable once per current account. Maximum one eligible current account per mortgage application.
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.

Search our estate agents for your next property

We offer the best properties at the best prices so find yours on Cumberland Estate Agents.

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