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Let us do the legwork. Our team of expert underwriters will look at your specific circumstances and go out of their way to find the right remortgage deal for you. It's just how we do things around here. We offer residential mortgages up to 95% loan to value (LTV) (75% in London & SE England).

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£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.26 and 276 monthly payments of £665.16.

The total amount payable would be £196,743 made up of the loan amount plus interest (£79,364), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.26 and 276 monthly payments of £665.16.

The total amount payable would be £196,743 made up of the loan amount plus interest (£79,364), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £504.70 and 276 monthly payments of £665.49.

The total amount payable would be £196,917 made up of the loan amount plus interest (£79,538), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £504.70 and 276 monthly payments of £665.49.

The total amount payable would be £196,917 made up of the loan amount plus interest (£79,538), arrangement fee (£999) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,438 made up of the loan amount plus interest (£61,308) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,698 made up of the loan amount plus interest (£61,308), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,438 made up of the loan amount plus interest (£61,308) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,698 made up of the loan amount plus interest (£61,308), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,303 made up of the loan amount plus interest (£62,173) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,563 made up of the loan amount plus interest (£62,173), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,303 made up of the loan amount plus interest (£62,173) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,563 made up of the loan amount plus interest (£62,173), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £471.89 and 237 monthly payments of £543.90.

The total amount payable would be £158,763 made up of the loan amount plus interest (£62,633) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £471.89 and 237 monthly payments of £543.90.

The total amount payable would be £158,763 made up of the loan amount plus interest (£62,633) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,057 made up of the loan amount plus interest (£60,927) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,317 made up of the loan amount plus interest (£60,927), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,057 made up of the loan amount plus interest (£60,927) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,317 made up of the loan amount plus interest (£60,927), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £477.00 and 237 monthly payments of £544.98.

The total amount payable would be £159,341 made up of the loan amount plus interest (£63,211) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £477.00 and 237 monthly payments of £544.98.

The total amount payable would be £159,341 made up of the loan amount plus interest (£63,211) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,523 made up of the loan amount plus interest (£61,393) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,783 made up of the loan amount plus interest (£61,393), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,523 made up of the loan amount plus interest (£61,393) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,783 made up of the loan amount plus interest (£61,393), valuation fee (£260) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £726.21 and 201 monthly payments of £806.13.

The total amount payable would be £181,770 made up of the loan amount plus interest (£61,640) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £726.21 and 201 monthly payments of £806.13.

The total amount payable would be £181,770 made up of the loan amount plus interest (£61,640) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £486.80 and 237 monthly payments of £546.99.

The total amount payable would be £160,435 made up of the loan amount plus interest (£64,305) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the 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 Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £486.80 and 237 monthly payments of £546.99.

The total amount payable would be £160,435 made up of the loan amount plus interest (£64,305) and other lending fees (£20).

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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £732.36 and 201 monthly payments of £806.84.

The total amount payable would be £182,079 made up of the loan amount plus interest (£61,949) and other lending fees (£20).

The overall cost for comparison is 4.8% 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 Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
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 Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £732.36 and 201 monthly payments of £806.84.

The total amount payable would be £182,079 made up of the loan amount plus interest (£61,949) and other lending fees (£20).

The overall cost for comparison is 4.8% 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 Mortgage Illustration, please contact us directly.

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Remortgage FAQs

  • Do you offer mortgages throughout the UK?

    Yes, we are now accepting mortgage applications for residential purchase and remortgages to up to 90% loan to value (LTV) throughout the UK, with up to 75% in London & SE England.

  • Why remortgage?

    There are a number of reasons why you should consider remortgaging.

    Save money on your mortgage payments

    If you’re paying your lender’s standard mortgage rate (SVR) and you’ve still got a few years left on your mortgage you could save money by reducing your monthly payments.

    Get a better deal

    If it’s been a few years since you took your mortgage out, it’s possible your property has increased in value while you’ve been paying your mortgage off. If you have a small mortgage and a property that’s worth a little more you may be able to get a better mortgage deal.

    If you know roughly what your property is worth, have a look at our mortgage calculator to see what deals are available to you. If you’re not sure, give us a call on 01228 403141.

    Borrow more

    If you have some equity in your property, i.e. your mortgage is less than 90% of the value of your property, you may be able to release some of the money tied up in your property. Find out what your monthly payments may be with our mortgage calculator, or give us a call on 01228 403141.

  • What does it cost?

    When you switch to The Cumberland, you know you’re getting a great value deal.

    All our remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated, and a free standard valuation.

    With selected products you could pay nothing to switch your mortgage to us. Applies to selected 2 year variable rate remortgage products up to 90% loan to value (LTV) in our operating area and up to 85% elsewhere. Excludes Buy to Let remortgage products.

  • How do I book an appointment?

    The quickest way to speak to a mortgage specialist that can help you get on or move up the property ladder, or remortgage is to Book an Appointment.

    Our mortgage hub teams are ready and waiting to help, and will aim to get back to you within one working day.

£100 cashback terms and conditions

New customers: Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process. Payable once per current account. Maximum one eligible current account per mortgage application. Existing customers: Your Cumberland current account must be funded with a minimum of £750 per month for the 3 successive months prior to your application.