£1,000 cashback!

On selected remortgage deals*

*Applies to selected remortgage products up to a maximum loan to value of 90%. Excludes Buy to Let.
Book Appointment

How are we different?

- We offer a range of fixed and variable rate mortgages for 2 and 5 years
- Our team of expert underwriters will look at your specific circumstances
- You can speak to our mortgage and protection advisors about your application at any time
- We go out of our way to ensure our products and services meet the needs of our customers

Read more about The Cumberland →

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
1.37%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.37% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £356.67 and 252 monthly payments of £489.72.

The total amount payable would be £132,819 made up of the loan amount plus interest (£47,570), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £359.41 and 252 monthly payments of £490.03.

The total amount payable would be £132,962 made up of the loan amount plus interest (£47,713), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £360.59 and 252 monthly payments of £490.16.

The total amount payable would be £133,023 made up of the loan amount plus interest (£47,774), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £360.59 and 252 monthly payments of £490.16.

The total amount payable would be £133,323 made up of the loan amount plus interest (£47,774), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 50%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £360.59 and 252 monthly payments of £490.16.

The total amount payable would be £133,323 made up of the loan amount plus interest (£47,774), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £363.34 and 252 monthly payments of £490.46.

The total amount payable would be £133,165 made up of the loan amount plus interest (£47,916), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.20% 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 (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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £363.34 and 252 monthly payments of £490.46.

The total amount payable would be £133,465 made up of the loan amount plus interest (£47,916), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £364.52 and 252 monthly payments of £490.59.

The total amount payable would be £133,526 made up of the loan amount plus interest (£47,977), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 50%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £364.52 and 252 monthly payments of £490.59.

The total amount payable would be £133,526 made up of the loan amount plus interest (£47,977), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £364.92 and 252 monthly payments of £490.64.

The total amount payable would be £133,248 made up of the loan amount plus interest (£47,999), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.64%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 75%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £367.29 and 252 monthly payments of £490.90.

The total amount payable would be £133,671 made up of the loan amount plus interest (£48,122), arrangement fee (£999) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.67%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £368.49 and 252 monthly payments of £491.03.

The total amount payable would be £133,432 made up of the loan amount plus interest (£48,183), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.68%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.68% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £368.88 and 252 monthly payments of £491.07.

The total amount payable would be £133,452 made up of the loan amount plus interest (£48,203), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.72%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.02% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.72% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £370.48 and 252 monthly payments of £491.24.

The total amount payable would be £132,809 made up of the loan amount plus interest (£48,284) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.77%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.77% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £372.48 and 252 monthly payments of £491.46.

The total amount payable would be £133,636 made up of the loan amount plus interest (£48,387), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.79%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.95% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.79% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £373.28 and 252 monthly payments of £491.54.

The total amount payable would be £132,952 made up of the loan amount plus interest (£48,427) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.93%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.81% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.93% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £378.92 and 252 monthly payments of £492.14.

The total amount payable would be £133,238 made up of the loan amount plus interest (£48,713) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.97%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.77% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £380.54 and 252 monthly payments of £492.30.

The total amount payable would be £133,318 made up of the loan amount plus interest (£48,793) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.97%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.77% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £380.54 and 252 monthly payments of £492.30.

The total amount payable would be £133,318 made up of the loan amount plus interest (£48,793) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 1.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £380.94 and 252 monthly payments of £492.35.

The total amount payable would be £134,064 made up of the loan amount plus interest (£48,815), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.02%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.72% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.02% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £382.57 and 252 monthly payments of £492.51.

The total amount payable would be £133,419 made up of the loan amount plus interest (£48,894) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.04%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.70% 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.04% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £383.38 and 252 monthly payments of £492.60.

The total amount payable would be £133,461 made up of the loan amount plus interest (£48,936) and other lending fees (£125).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £385.01 and 252 monthly payments of £492.77.

The total amount payable would be £134,267 made up of the loan amount plus interest (£49,018), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.41% for the first 2 years, followed by the SVR until the end of the mortgage.

  • 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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £395.31 and 252 monthly payments of £493.80.

The total amount payable would be £134,050 made up of the loan amount plus interest (£49,525) and other lending fees (£125).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.57%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.17% 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)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £405.35 and 252 monthly payments of £494.77.

The total amount payable would be £134,535 made up of the loan amount plus interest (£50,010) and other lending fees (£125).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.64%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.10% 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)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £408.30 and 252 monthly payments of £495.05.

The total amount payable would be £134,677 made up of the loan amount plus interest (£50,152) and other lending fees (£125).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.78%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.96% 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)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.78% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £414.25 and 252 monthly payments of £495.61.

The total amount payable would be £134,961 made up of the loan amount plus interest (£50,436) and other lending fees (£125).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.87%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.87% 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)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 2.87% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £418.10 and 252 monthly payments of £495.97.

The total amount payable would be £135,144 made up of the loan amount plus interest (£50,619) and other lending fees (£125).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
3.18%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.56% 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)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (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 £84,400 payable over 23 years initially on this variable rate product for 2 years at 3.18% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £431.53 and 252 monthly payments of £497.17.

The total amount payable would be £135,769 made up of the loan amount plus interest (£51,244) and other lending fees (£125).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.67%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 1.67% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 1.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £257.94 and 336 monthly payments of £372.28.

The total amount payable would be £132,126 made up of the loan amount plus interest (£58,277), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 1.74% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £260.43 and 336 monthly payments of £372.50.

The total amount payable would be £132,259 made up of the loan amount plus interest (£58,410), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.88%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 1.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £265.46 and 336 monthly payments of £372.93.

The total amount payable would be £132,525 made up of the loan amount plus interest (£58,676), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
1.97%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £268.73 and 336 monthly payments of £373.21.

The total amount payable would be £132,697 made up of the loan amount plus interest (£58,848), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.02%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.02% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.02% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £270.55 and 336 monthly payments of £373.36.

The total amount payable would be £132,141 made up of the loan amount plus interest (£58,942), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.09%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.09% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.09% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £273.12 and 336 monthly payments of £373.57.

The total amount payable would be £132,273 made up of the loan amount plus interest (£59,074), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.23%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 2.23% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.23% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £278.30 and 336 monthly payments of £373.98.

The total amount payable would be £132,535 made up of the loan amount plus interest (£59,336), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

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

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £280.16 and 336 monthly payments of £374.13.

The total amount payable would be £133,281 made up of the loan amount plus interest (£59,432), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.32%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.32% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £281.65 and 336 monthly payments of £374.25.

The total amount payable would be £132,707 made up of the loan amount plus interest (£59,508), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.63%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 2.63% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.63% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £293.40 and 336 monthly payments of £375.13.

The total amount payable would be £133,284 made up of the loan amount plus interest (£60,085), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.87%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.87% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.87% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £302.68 and 336 monthly payments of £375.80.

The total amount payable would be £133,732 made up of the loan amount plus interest (£60,533), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
2.94%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.94% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 2.94% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £305.41 and 336 monthly payments of £375.99.

The total amount payable would be £133,861 made up of the loan amount plus interest (£60,662), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
3.08%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 3.08% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 3.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £310.93 and 336 monthly payments of £376.37.

The total amount payable would be £134,122 made up of the loan amount plus interest (£60,923), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
3.17%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 3.17% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 3.17% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £314.50 and 336 monthly payments of £376.61.

The total amount payable would be £134,288 made up of the loan amount plus interest (£61,089), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR FIXED RATE
3.48%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 3.48% until 1st March 2021, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd March 2020 and 1% before 2nd March 2021 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2021
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 30 years initially on this fixed rate product until 1st March 2021 at 3.48% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £326.99 and 336 monthly payments of £377.41.

The total amount payable would be £134,857 made up of the loan amount plus interest (£61,658), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.10%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 2.10% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.10% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £453.69 and 120 monthly payments of £514.24.

The total amount payable would be £89,779 made up of the loan amount plus interest (£18,930), 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
2.21%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.21% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £457.26 and 120 monthly payments of £515.53.

The total amount payable would be £90,148 made up of the loan amount plus interest (£19,299), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.25%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.25% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.25% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £458.56 and 120 monthly payments of £515.99.

The total amount payable would be £89,631 made up of the loan amount plus interest (£19,432), arrangement fee (£49) 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
2.36%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.36% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £462.15 and 120 monthly payments of £517.28.

The total amount payable would be £90,002 made up of the loan amount plus interest (£19,803), arrangement fee (£49) 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
2.38%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 2.38% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.38% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £462.81 and 120 monthly payments of £517.51.

The total amount payable would be £90,719 made up of the loan amount plus interest (£19,870), 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
5 YEAR FIXED RATE
2.50%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.50% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.50% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £466.75 and 120 monthly payments of £518.91.

The total amount payable would be £91,123 made up of the loan amount plus interest (£20,274), 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
5 YEAR FIXED RATE
2.53%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 2.53% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.53% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £467.74 and 120 monthly payments of £519.26.

The total amount payable would be £90,575 made up of the loan amount plus interest (£20,376), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.60%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.60% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.60% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £470.05 and 120 monthly payments of £520.07.

The total amount payable would be £90,810 made up of the loan amount plus interest (£20,611), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.65%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 2.65% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.65% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £471.71 and 120 monthly payments of £520.65.

The total amount payable would be £90,980 made up of the loan amount plus interest (£20,781), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.71%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.71% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.71% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £473.70 and 120 monthly payments of £521.34.

The total amount payable would be £91,182 made up of the loan amount plus interest (£20,983), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.88%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £479.38 and 120 monthly payments of £523.30.

The total amount payable would be £91,758 made up of the loan amount plus interest (£21,559), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.94%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.94% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 2.94% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £481.39 and 120 monthly payments of £523.99.

The total amount payable would be £92,611 made up of the loan amount plus interest (£21,762), 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
5 YEAR FIXED RATE
3.00%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 3.00% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 3.00% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £483.41 and 120 monthly payments of £524.68.

The total amount payable would be £92,165 made up of the loan amount plus interest (£21,966), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
3.09%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 3.09% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • 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 March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 3.09% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £486.44 and 120 monthly payments of £525.71.

The total amount payable would be £92,471 made up of the loan amount plus interest (£22,272), arrangement fee (£49) 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
5 YEAR FIXED RATE
3.44%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 3.44% until 1st March 2024, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd March 2020, 4% before 2nd March 2021, 3% before 2nd March 2022, 2% before 2nd March 2023 and 1% before 2nd March 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd March 2024
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 15 years initially on this fixed rate product until 1st March 2024 at 3.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £498.36 and 120 monthly payments of £529.69.

The total amount payable would be £93,663 made up of the loan amount plus interest (£23,464), arrangement fee (£49) 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
OFFSET
3.29%
Until End Of Mortgage
3.4% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 276 monthly payments of £517.00.

The total amount payable would be £143,637 made up of the loan amount plus interest (£42,692), 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
3.29%
Until End Of Mortgage
3.4% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 276 monthly payments of £517.00.

The total amount payable would be £143,637 made up of the loan amount plus interest (£42,692), 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
3.29%
Until End Of Mortgage
3.4% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 50%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 276 monthly payments of £517.00.

The total amount payable would be £143,637 made up of the loan amount plus interest (£42,692), 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
3.49%
Until End Of Mortgage
3.6% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.49%, would require 276 monthly payments of £527.48.

The total amount payable would be £146,529 made up of the loan amount plus interest (£45,584), arrangement fee (£795) 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
OFFSET
3.49%
Until End Of Mortgage
3.6% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

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

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • 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 £100,000 payable over 23 years initially on this variable rate product for the term of the mortgage at 3.49%, would require 276 monthly payments of £527.48.

The total amount payable would be £146,529 made up of the loan amount plus interest (£45,584), arrangement fee (£795) 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
Show all mortgage products
There are no products available which match the details you have entered.
Please get in touch to discuss your requirements.

STEPS TO REMORTGAGING

Get started for a remortgage from The Cumberland.

1. Mortgage calculator
Find out how much you could borrow in 2 minutes.
View products
2. Got a question?
Chat online with us or give us a call.
Get in touch
3. Book an appointment
Have your appointment either in your local branch or over the phone.
Schedule appointment

REMORTGAGE FAQS

  • Do you offer mortgages throughout the UK?

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

  • 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 a maximum loan to value of 90%. Excludes Buy to Let remortgage products.

  • How do I book an appointment?

    To arrange an appointment with one of our mortgage advisors, you can either call us on 01228 403141, book an appointment online, chat to us on web chat or pop into your local branch.

  • Are you listed with brokers?

    We don’t pay local brokers to tell you about our mortgages, so they’re unlikely to recommend us. Use our mortgage calculator to see if you could save money by remortgaging to us.

  • Switch your mortgage for nowt

    Switch your mortgage to us for nowt, our 2 year variable rate product has no fees.

    Applies to selected 2 year variable rate remortgage products up to a maximum loan to value of 90%. Excludes Buy to Let remortgage products.

    Use our mortgage calculator to see which of our products you could be eligible for.

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.