REMORTGAGE TO US

You could cut the cost of your mortgage by switching to the Cumberland. View our current deals below
Find out how much you could borrow and your monthly payments
Mortgage Calculator

SWITCHING YOUR MORTGAGE

You don’t need to move house to move your mortgage. Switching your mortgage to another lender could not only save you money on your monthly payments, it could help you release some funds to spend on improving your home.

If your existing mortgage product is coming to an end, or you are currently paying your present lender’s standard mortgage rate, we may be able to offer you a better deal.

Our mortgage calculator can help you find the best mortgage deal for you, or you can call into any of our branches and speak to one of our mortgage advisers. What’s more, all our remortgage products offer free valuation fees and legal fees*.

Remember, some mortgages have penalties in the first few years, particularly if you are on a fixed or discounted rate mortgage, so be sure to read the terms and conditions of your existing mortgage. Other fees and charges may also apply.

* Excludes buy-to-let and limited issue products and you must use a solicitor nominated by us.

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

Our Current Deals

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

£100,000
£20,000
20 Years
Not available through brokers
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.30% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £668.91 and 192 monthly payments of £854.54.

The total amount payable would be £180,975 made up of the loan amount plus interest (£50,126), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.30% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £668.91 and 192 monthly payments of £854.54.

The total amount payable would be £181,275 made up of the loan amount plus interest (£50,126), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.19%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.30% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £668.91 and 192 monthly payments of £854.54.

The total amount payable would be £181,275 made up of the loan amount plus interest (£50,126), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.24%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.25% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.24% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £671.82 and 192 monthly payments of £854.94.

The total amount payable would be £181,121 made up of the loan amount plus interest (£50,272), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.24%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.25% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.24% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £671.82 and 192 monthly payments of £854.94.

The total amount payable would be £181,421 made up of the loan amount plus interest (£50,272), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.29%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £674.75 and 192 monthly payments of £855.34.

The total amount payable would be £181,568 made up of the loan amount plus interest (£50,419), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.29%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £674.75 and 192 monthly payments of £855.34.

The total amount payable would be £181,568 made up of the loan amount plus interest (£50,419), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.29%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.29% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £674.75 and 192 monthly payments of £855.34.

The total amount payable would be £181,268 made up of the loan amount plus interest (£50,419), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.34%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.15% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.34% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £677.68 and 192 monthly payments of £855.74.

The total amount payable would be £181,715 made up of the loan amount plus interest (£50,566), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.34%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 3.15% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.34% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £677.68 and 192 monthly payments of £855.74.

The total amount payable would be £181,415 made up of the loan amount plus interest (£50,566), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.53%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.96% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.53% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £688.91 and 192 monthly payments of £857.23.

The total amount payable would be £181,971 made up of the loan amount plus interest (£51,122), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.95% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £689.50 and 192 monthly payments of £857.31.

The total amount payable would be £181,277 made up of the loan amount plus interest (£51,152) and other lending fees (£125).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.59%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.90% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.59% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £692.48 and 192 monthly payments of £857.70.

The total amount payable would be £181,423 made up of the loan amount plus interest (£51,298) and other lending fees (£125).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.63%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.86% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.63% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £694.86 and 192 monthly payments of £858.01.

The total amount payable would be £182,264 made up of the loan amount plus interest (£51,415), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.69%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.80% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.69% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £698.45 and 192 monthly payments of £858.47.

The total amount payable would be £181,714 made up of the loan amount plus interest (£51,589) and other lending fees (£125).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.69%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.80% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.69% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £698.45 and 192 monthly payments of £858.47.

The total amount payable would be £181,714 made up of the loan amount plus interest (£51,589) and other lending fees (£125).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.73%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.76% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.73% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £700.85 and 192 monthly payments of £858.78.

The total amount payable would be £182,555 made up of the loan amount plus interest (£51,706), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.74%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.75% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.74% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £701.45 and 192 monthly payments of £858.86.

The total amount payable would be £181,861 made up of the loan amount plus interest (£51,736) and other lending fees (£125).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.83%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.66% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.83% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £706.86 and 192 monthly payments of £859.56.

The total amount payable would be £182,849 made up of the loan amount plus interest (£52,000), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.88%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.61% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 1.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £709.88 and 192 monthly payments of £859.94.

The total amount payable would be £182,271 made up of the loan amount plus interest (£52,146) and other lending fees (£125).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.08%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 2.41% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £130,000 payable over 18 years initially on this variable rate product for 2 years at 2.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 24 monthly payments of £722.05 and 192 monthly payments of £861.47.

The total amount payable would be £182,856 made up of the loan amount plus interest (£52,731) and other lending fees (£125).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.69%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 1.69% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 15 years initially on this fixed rate product until 1st September 2020 at 1.69% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £786.67 and 155 monthly payments of £932.08.

The total amount payable would be £164,988 made up of the loan amount plus interest (£39,139), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.79%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 1.79% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 15 years initially on this fixed rate product until 1st September 2020 at 1.79% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £792.36 and 155 monthly payments of £932.98.

The total amount payable would be £165,270 made up of the loan amount plus interest (£39,421), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.83%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 1.83% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 15 years initially on this fixed rate product until 1st September 2020 at 1.83% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £794.64 and 155 monthly payments of £933.33.

The total amount payable would be £165,381 made up of the loan amount plus interest (£39,532), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.43%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.43% until 1st September 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd September 2019 and 1% before 2nd September 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 15 years initially on this fixed rate product until 1st September 2020 at 2.43% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 25 monthly payments of £829.37 and 155 monthly payments of £938.61.

The total amount payable would be £167,068 made up of the loan amount plus interest (£41,219), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
1.85%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 1.85% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £96,000 payable over 15 years initially on this fixed rate product until 1st September 2021 at 1.85% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £611.16 and 143 monthly payments of £708.77.

The total amount payable would be £124,816 made up of the loan amount plus interest (£27,967), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
1.92%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 1.92% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £96,000 payable over 15 years initially on this fixed rate product until 1st September 2021 at 1.92% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £614.24 and 143 monthly payments of £709.47.

The total amount payable would be £125,030 made up of the loan amount plus interest (£28,181), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
1.97%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 1.97% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £96,000 payable over 15 years initially on this fixed rate product until 1st September 2021 at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £616.44 and 143 monthly payments of £709.97.

The total amount payable would be £125,183 made up of the loan amount plus interest (£28,334), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
2.28%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.28% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £96,000 payable over 15 years initially on this fixed rate product until 1st September 2021 at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £630.22 and 143 monthly payments of £713.05.

The total amount payable would be £126,133 made up of the loan amount plus interest (£29,284), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

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

Book An Appointment
3 YEAR FIXED RATE
2.75%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.75% until 1st September 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (3% before 2nd September 2019, 2% before 2nd September 2020 and 1% before 2nd September 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £96,000 payable over 15 years initially on this fixed rate product until 1st September 2021 at 2.75% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 37 monthly payments of £651.48 and 143 monthly payments of £717.65.

The total amount payable would be £127,578 made up of the loan amount plus interest (£30,729), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.05%
Initial Interest Rate
3.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 2.05% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 15 years initially on this fixed rate product until 1st September 2023 at 2.05% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £774.98 and 119 monthly payments of £869.58.

The total amount payable would be £151,603 made up of the loan amount plus interest (£30,754), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 2.19% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 15 years initially on this fixed rate product until 1st September 2023 at 2.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £782.75 and 119 monthly payments of £872.41.

The total amount payable would be £152,414 made up of the loan amount plus interest (£31,565), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.36%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 2.36% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 15 years initially on this fixed rate product until 1st September 2023 at 2.36% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £792.26 and 119 monthly payments of £875.82.

The total amount payable would be £153,399 made up of the loan amount plus interest (£32,550), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.44%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.44% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 15 years initially on this fixed rate product until 1st September 2023 at 2.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £796.76 and 119 monthly payments of £877.43.

The total amount payable would be £153,866 made up of the loan amount plus interest (£33,017), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.97%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.49%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.97% until 1st September 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.49%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd September 2019, 4% before 2nd September 2020, 3% before 2nd September 2021, 2% before 2nd September 2022 and 1% before 2nd September 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd September 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 15 years initially on this fixed rate product until 1st September 2023 at 2.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.49% for the remaining term of the mortgage, would require 61 monthly payments of £826.97 and 119 monthly payments of £887.96.

The total amount payable would be £156,961 made up of the loan amount plus interest (£36,112), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

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

Book An Appointment
OFFSET
3.04%
Until End Of Mortgage
3.2% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,000 payable over 30 years initially on this variable rate product for the term of the mortgage at 3.04%, would require 360 monthly payments of £398.34.

The total amount payable would be £144,347 made up of the loan amount plus interest (£49,402), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
OFFSET
3.04%
Until End Of Mortgage
3.2% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,000 payable over 30 years initially on this variable rate product for the term of the mortgage at 3.04%, would require 360 monthly payments of £398.34.

The total amount payable would be £144,347 made up of the loan amount plus interest (£49,402), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
OFFSET
3.04%
Until End Of Mortgage
3.2% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,000 payable over 30 years initially on this variable rate product for the term of the mortgage at 3.04%, would require 360 monthly payments of £398.34.

The total amount payable would be £144,347 made up of the loan amount plus interest (£49,402), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
OFFSET
3.24%
Until End Of Mortgage
3.4% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 1.25% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,000 payable over 30 years initially on this variable rate product for the term of the mortgage at 3.24%, would require 360 monthly payments of £408.58.

The total amount payable would be £148,034 made up of the loan amount plus interest (£53,089), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
OFFSET
3.24%
Until End Of Mortgage
3.4% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.49%, less the agreed discount of 1.25% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,000 payable over 30 years initially on this variable rate product for the term of the mortgage at 3.24%, would require 360 monthly payments of £408.58.

The total amount payable would be £148,034 made up of the loan amount plus interest (£53,089), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
Show all mortgage products
There are no products available which match the details you have entered.
Please get in touch to discuss your requirements.
Where We Lend

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

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

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

Mortgage Calculator

THE STEPS TO MOVING YOUR MORTGAGE

  • Where do I start?

    Switching your mortgage, or remortgaging as it is known, is where you take a new mortgage on a property you already own and use the money to pay off your old mortgage. Most people remortgage to save money on their mortgage payments but if you have sufficient equity in your property you can also borrow more and spend it on whatever you like!

    If you are near the end of your current mortgage deal or you are paying your lender’s standard mortgage rate, often referred to as SVR or Standard Variable Rate, it’s worth checking whether you should remortgage.

  • 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 on 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.

    Pay nothing to switch your mortgage to us (selected products only).

  • Insurance

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

£100 Cashback

Qualifying conditions

New Current Account Customers
To qualify, you must switch your main current account to the Cumberland using the Cumberland switching service
Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process. Payable once per current account. Maximum one eligible current account per mortgage application.
Existing Current Account Customers
To qualify, you must have your main current account with the Cumberland
It must be funded with a minimum of £750 per month for the 3 successive months prior to your application. The £100 will be credited to your Cumberland current account shortly after your mortgage has been completed. Payable once per current account. Maximum one eligible current account per mortgage application.
Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.