Need more outside space?

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.

Moving home with The Cumberland

We are now accepting mortgage applications for residential purchase and remortgages to up to 90% loan to value (LTV) in our operating area and up to 85% elsewhere (75% in London & SE England)

Telephone appointments
With evening and weekend appointments available over the phone, we're here when you need us the most.
Gold-rated service
Don't just take our word for it, hear what our lovely customers have to say about us.
Existing customers
You may be able to take your existing mortgage with you to your next home, known as porting.

Next steps

See how much you could borrow
Use our calculator to work out how much you can afford to borrow, the monthly repayments and a suitable mortgage for you.
Ask us a question
Call us or chat online if you have any questions about moving home.

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?
    Yes, we lend all over the UK, although some of our mortgages are only available in certain areas. Contact us to discuss your circumstances.
Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.