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Moving home with The Cumberland

Whether you're a new customer or have a mortgage with us already, you can rely on our help and expertise to make moving home as easy as possible.

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You may be able to take your existing mortgage with you to your next home, known as porting.

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
1.26%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.48% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.26% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £466.51 and 276 monthly payments of £665.52.

The total amount payable would be £197,334 made up of the loan amount plus interest (£74,880), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.26%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.48% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.26% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £466.51 and 276 monthly payments of £665.52.

The total amount payable would be £197,334 made up of the loan amount plus interest (£74,880), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.41% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £470.40 and 276 monthly payments of £665.94.

The total amount payable would be £197,543 made up of the loan amount plus interest (£75,089), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.37%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.37% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £472.63 and 276 monthly payments of £666.18.

The total amount payable would be £196,363 made up of the loan amount plus interest (£75,209), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.44%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £476.55 and 276 monthly payments of £666.59.

The total amount payable would be £196,570 made up of the loan amount plus interest (£75,416), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,499
Loan To Value
Up to 50%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £478.23 and 276 monthly payments of £666.77.

The total amount payable would be £197,460 made up of the loan amount plus interest (£75,506), arrangement fee (£1,499), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,499
Loan To Value
Up to 60%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £478.23 and 276 monthly payments of £666.77.

The total amount payable would be £197,460 made up of the loan amount plus interest (£75,506), arrangement fee (£1,499), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £478.23 and 276 monthly payments of £666.77.

The total amount payable would be £196,660 made up of the loan amount plus interest (£75,506), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,499
Loan To Value
Up to 75%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £482.18 and 276 monthly payments of £667.18.

The total amount payable would be £197,668 made up of the loan amount plus interest (£75,714), arrangement fee (£1,499), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £482.18 and 276 monthly payments of £667.18.

The total amount payable would be £196,868 made up of the loan amount plus interest (£75,714), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,499
Loan To Value
Up to 60%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £483.88 and 276 monthly payments of £667.35.

The total amount payable would be £197,756 made up of the loan amount plus interest (£75,802), arrangement fee (£1,499), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,499
Loan To Value
Up to 50%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £483.88 and 276 monthly payments of £667.35.

The total amount payable would be £197,756 made up of the loan amount plus interest (£75,802), arrangement fee (£1,499), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.58%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £484.45 and 276 monthly payments of £667.41.

The total amount payable would be £196,986 made up of the loan amount plus interest (£75,832), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.64%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£1,499
Loan To Value
Up to 75%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £487.86 and 276 monthly payments of £667.76.

The total amount payable would be £197,964 made up of the loan amount plus interest (£76,010), arrangement fee (£1,499), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.67%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £489.57 and 276 monthly payments of £667.94.

The total amount payable would be £197,255 made up of the loan amount plus interest (£76,101), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.68%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.68% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £490.14 and 276 monthly payments of £667.99.

The total amount payable would be £197,283 made up of the loan amount plus interest (£76,129), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.77%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 1.77% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £495.30 and 276 monthly payments of £668.51.

The total amount payable would be £197,550 made up of the loan amount plus interest (£76,396), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.98%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

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

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

A mortgage of £100,000 payable over 23 years initially on this variable rate product for 2 years at 1.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £451.35 and 252 monthly payments of £583.35.

The total amount payable would be £158,991 made up of the loan amount plus interest (£57,837), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.07%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.67% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.07% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £512.72 and 276 monthly payments of £670.21.

The total amount payable would be £197,738 made up of the loan amount plus interest (£77,283), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.08%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £513.31 and 276 monthly payments of £670.27.

The total amount payable would be £198,468 made up of the loan amount plus interest (£77,314), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.10%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

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

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

A mortgage of £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.10% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £514.49 and 276 monthly payments of £670.38.

The total amount payable would be £197,828 made up of the loan amount plus interest (£77,373), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.14%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.60% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.14% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £516.84 and 276 monthly payments of £670.60.

The total amount payable would be £197,945 made up of the loan amount plus interest (£77,490), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.28%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.46% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £525.14 and 276 monthly payments of £671.38.

The total amount payable would be £198,359 made up of the loan amount plus interest (£77,904), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.37%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.37% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.37% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £530.52 and 276 monthly payments of £671.87.

The total amount payable would be £198,624 made up of the loan amount plus interest (£78,169), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.47%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £536.53 and 276 monthly payments of £672.41.

The total amount payable would be £198,917 made up of the loan amount plus interest (£78,462), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.47%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £536.53 and 276 monthly payments of £672.41.

The total amount payable would be £198,917 made up of the loan amount plus interest (£78,462), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.54%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £540.76 and 276 monthly payments of £672.79.

The total amount payable would be £199,123 made up of the loan amount plus interest (£78,668), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.68%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.06% for the first 2 years, followed by the SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 2.68% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £549.28 and 276 monthly payments of £673.53.

The total amount payable would be £199,532 made up of the loan amount plus interest (£79,077), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 1.62% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 1.62% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £434.48 and 311 monthly payments of £616.54.

The total amount payable would be £203,760 made up of the loan amount plus interest (£85,306), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 1.74% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 1.74% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £441.28 and 311 monthly payments of £617.19.

The total amount payable would be £204,132 made up of the loan amount plus interest (£85,678), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 1.88% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 1.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £449.28 and 311 monthly payments of £617.95.

The total amount payable would be £204,568 made up of the loan amount plus interest (£86,114), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.97%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 1.97% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £454.48 and 311 monthly payments of £618.43.

The total amount payable would be £204,848 made up of the loan amount plus interest (£86,394), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 2.28% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £472.64 and 311 monthly payments of £620.04.

The total amount payable would be £205,802 made up of the loan amount plus interest (£87,348), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.32%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.32% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 2.32% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £475.01 and 311 monthly payments of £620.25.

The total amount payable would be £205,277 made up of the loan amount plus interest (£87,473), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.44%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.44% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 2.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £482.18 and 311 monthly payments of £620.86.

The total amount payable would be £205,646 made up of the loan amount plus interest (£87,842), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.58%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 2.58% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 2.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £490.62 and 311 monthly payments of £621.56.

The total amount payable would be £206,075 made up of the loan amount plus interest (£88,271), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.67%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 2.67% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 2.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £496.08 and 311 monthly payments of £622.01.

The total amount payable would be £206,351 made up of the loan amount plus interest (£88,547), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.98%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 2.98% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

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

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 2.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £515.19 and 311 monthly payments of £623.51.

The total amount payable would be £207,295 made up of the loan amount plus interest (£89,491), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
3.63%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 95%

Your interest rate is fixed at 3.63% until 1st May 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd May 2020 and 1% before 2nd May 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £117,300 payable over 28 years initially on this fixed rate product until 1st May 2021 at 3.63% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 25 monthly payments of £556.56 and 311 monthly payments of £626.51.

The total amount payable would be £209,003 made up of the loan amount plus interest (£91,459), arrangement fee (£49) and other lending fees (£50).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 2.05% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.05% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £362.35 and 239 monthly payments of £459.91.

The total amount payable would be £133,176 made up of the loan amount plus interest (£47,022), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 2.21% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.21% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £369.03 and 239 monthly payments of £461.49.

The total amount payable would be £133,961 made up of the loan amount plus interest (£47,807), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.35%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.35% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.35% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £374.94 and 239 monthly payments of £462.85.

The total amount payable would be £133,996 made up of the loan amount plus interest (£48,492), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.36%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 2.36% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.36% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £375.36 and 239 monthly payments of £462.95.

The total amount payable would be £134,696 made up of the loan amount plus interest (£48,542), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

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

Your interest rate is fixed at 2.47% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £380.04 and 239 monthly payments of £464.01.

The total amount payable would be £135,235 made up of the loan amount plus interest (£49,081), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.51%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.51% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.51% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £381.75 and 239 monthly payments of £464.39.

The total amount payable would be £134,780 made up of the loan amount plus interest (£49,276), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.66%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 2.66% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.66% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £388.21 and 239 monthly payments of £465.82.

The total amount payable would be £135,516 made up of the loan amount plus interest (£50,012), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.77%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 2.77% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.77% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £392.99 and 239 monthly payments of £466.86.

The total amount payable would be £136,056 made up of the loan amount plus interest (£50,552), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

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
2.81%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
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 2.81% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.81% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £394.73 and 239 monthly payments of £467.24.

The total amount payable would be £136,253 made up of the loan amount plus interest (£50,749), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

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
2.88%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.88% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 2.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £397.79 and 239 monthly payments of £467.90.

The total amount payable would be £137,247 made up of the loan amount plus interest (£51,093), arrangement fee (£699), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
3.18%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 3.18% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 3.18% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £411.08 and 239 monthly payments of £470.67.

The total amount payable would be £138,070 made up of the loan amount plus interest (£52,566), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
3.31%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
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 3.31% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Refund Valuation Fee - Refund of basic mortgage valuation fee (up to £260)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 3.31% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £416.92 and 239 monthly payments of £471.85.

The total amount payable would be £138,708 made up of the loan amount plus interest (£53,204), arrangement fee (£49), valuation fee (£260) and other lending fees (£50).

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
3.99%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 95%

Your interest rate is fixed at 3.99% until 1st May 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd May 2020, 4% before 2nd May 2021, 3% before 2nd May 2022, 2% before 2nd May 2023 and 1% before 2nd May 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd May 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st May 2024 at 3.99% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 61 monthly payments of £448.19 and 239 monthly payments of £477.85.

The total amount payable would be £141,790 made up of the loan amount plus interest (£56,546), arrangement fee (£49) and other lending fees (£50).

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

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

The total amount payable would be £143,942 made up of the loan amount plus interest (£42,692), arrangement fee (£795), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

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

The total amount payable would be £143,942 made up of the loan amount plus interest (£42,692), arrangement fee (£795), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

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

The total amount payable would be £143,942 made up of the loan amount plus interest (£42,692), arrangement fee (£795), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

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

The total amount payable would be £146,834 made up of the loan amount plus interest (£45,584), arrangement fee (£795), valuation fee (£260) and other lending fees (£50).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

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

The total amount payable would be £146,834 made up of the loan amount plus interest (£45,584), arrangement fee (£795), valuation fee (£260) and other lending fees (£50).

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
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FAQs

  • Where do I start?

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

    Book an appointment with one of our mortgage and protection advisors and they’ll talk through the numbers and offer practical advice to help you plan your move.

  • How much can I borrow?

    The amount you can borrow depends on your income, outgoings and individual situation. You can get an idea of what you could borrow with our mortgage calculator, but for more detailed figures speak to one of our mortgage and protection advisors.

  • How much will it cost?

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

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

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

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

    If you're an existing mortgage customer, you may be able to transfer your current mortgage rate from one property to another, known as porting.

    Alternatively, you might want to consider applying for a new mortgage rate with us from our current range. This might be more appropriate if you're on our standard variable rate or if your current deal is coming to an end.

    Book an appointment with one of our mortgage and protection advisors for more information.

  • Do you offer mortgages throughout the UK?

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

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.