You don’t need to move house to move your mortgage. Switching your mortgage to another lender could not only save you money on your monthly payments, it could help you release some funds to spend on improving your home.
If your existing mortgage product is coming to an end, or you are currently paying your present lender’s standard mortgage rate, we may be able to offer you a better deal.
Our mortgage calculator can help you find the best mortgage deal for you, or you can call into any of our branches and speak to one of our mortgage advisers. What’s more, all our remortgage products offer free valuation fees and legal fees*.
Remember, some mortgages have penalties in the first few years, particularly if you are on a fixed or discounted rate mortgage, so be sure to read the terms and conditions of your existing mortgage. Other fees and charges may also apply.
* Excludes buy-to-let and limited issue products and you must use a solicitor nominated by us.
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Please note that if the property you are looking to mortgage is outside of our operating area, there are restrictions if you wish to borrow on an interest-only basis. Please contact us for further details.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.26% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 0.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £372.65 and 180 monthly payments of £468.77.
The total amount payable would be £94,171 made up of the loan amount plus interest (£23,322), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.26% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 0.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £372.65 and 180 monthly payments of £468.77.
The total amount payable would be £94,171 made up of the loan amount plus interest (£23,322), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.21% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.03% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £374.20 and 180 monthly payments of £468.99.
The total amount payable would be £94,248 made up of the loan amount plus interest (£23,399), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.21% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.03% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £374.20 and 180 monthly payments of £468.99.
The total amount payable would be £94,248 made up of the loan amount plus interest (£23,399), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.16% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £375.75 and 180 monthly payments of £469.22.
The total amount payable would be £94,327 made up of the loan amount plus interest (£23,478), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.16% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £375.75 and 180 monthly payments of £469.22.
The total amount payable would be £94,327 made up of the loan amount plus interest (£23,478), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.16% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £375.75 and 180 monthly payments of £469.22.
The total amount payable would be £94,327 made up of the loan amount plus interest (£23,478), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.11% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.13% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £377.31 and 180 monthly payments of £469.43.
The total amount payable would be £94,402 made up of the loan amount plus interest (£23,553), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.11% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.13% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £377.31 and 180 monthly payments of £469.43.
The total amount payable would be £94,402 made up of the loan amount plus interest (£23,553), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 3.06% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.18% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £378.87 and 180 monthly payments of £469.65.
The total amount payable would be £94,479 made up of the loan amount plus interest (£23,630), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.96% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £382.01 and 180 monthly payments of £470.09.
The total amount payable would be £94,633 made up of the loan amount plus interest (£23,784), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.91% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £383.58 and 180 monthly payments of £470.31.
The total amount payable would be £94,012 made up of the loan amount plus interest (£23,862) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.91% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £383.58 and 180 monthly payments of £470.31.
The total amount payable would be £94,012 made up of the loan amount plus interest (£23,862) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.86% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.38% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £385.16 and 180 monthly payments of £470.53.
The total amount payable would be £94,788 made up of the loan amount plus interest (£23,939), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.8% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.86% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.38% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £385.16 and 180 monthly payments of £470.53.
The total amount payable would be £94,089 made up of the loan amount plus interest (£23,939) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.86% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.38% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £385.16 and 180 monthly payments of £470.53.
The total amount payable would be £94,089 made up of the loan amount plus interest (£23,939) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.81% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.43% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £386.74 and 180 monthly payments of £470.74.
The total amount payable would be £94,165 made up of the loan amount plus interest (£24,015) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.61% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.63% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £393.10 and 180 monthly payments of £471.61.
The total amount payable would be £94,474 made up of the loan amount plus interest (£24,324) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.26% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 1.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £404.40 and 180 monthly payments of £473.10.
The total amount payable would be £95,713 made up of the loan amount plus interest (£24,864), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.9% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 2.16% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 2.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £407.67 and 180 monthly payments of £473.52.
The total amount payable would be £95,867 made up of the loan amount plus interest (£25,018), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.9% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.91% for the first 2 years, followed by the SVR until the end of the mortgage.
A mortgage of £70,000 payable over 17 years initially on this variable rate product for 2 years at 2.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 24 monthly payments of £415.90 and 180 monthly payments of £474.56.
The total amount payable would be £95,552 made up of the loan amount plus interest (£25,402) and other lending fees (£150).
The overall cost for comparison is 3.9% APRC representative.
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.
Your interest rate is fixed at 1.54% until 1st January 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £112,000 payable over 23 years initially on this fixed rate product until 1st January 2020 at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £482.16 and 250 monthly payments of £621.43.
The total amount payable would be £168,743 made up of the loan amount plus interest (£55,894), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.8% APRC representative.
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.
Your interest rate is fixed at 1.59% until 1st January 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £112,000 payable over 23 years initially on this fixed rate product until 1st January 2020 at 1.59% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £484.78 and 250 monthly payments of £621.73.
The total amount payable would be £168,886 made up of the loan amount plus interest (£56,037), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.8% APRC representative.
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.
Your interest rate is fixed at 1.73% until 1st January 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £112,000 payable over 23 years initially on this fixed rate product until 1st January 2020 at 1.73% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £492.16 and 250 monthly payments of £622.55.
The total amount payable would be £169,283 made up of the loan amount plus interest (£56,434), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.9% APRC representative.
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.
Your interest rate is fixed at 2.43% until 1st January 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £112,000 payable over 23 years initially on this fixed rate product until 1st January 2020 at 2.43% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 26 monthly payments of £530.11 and 250 monthly payments of £626.56.
The total amount payable would be £171,272 made up of the loan amount plus interest (£58,423), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 4.0% APRC representative.
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.
Your interest rate is fixed at 1.75% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £83,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.75% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 37 monthly payments of £410.13 and 203 monthly payments of £497.67.
The total amount payable would be £117,051 made up of the loan amount plus interest (£33,202), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate is fixed at 1.80% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £83,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.80% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 37 monthly payments of £412.07 and 203 monthly payments of £498.01.
The total amount payable would be £117,192 made up of the loan amount plus interest (£33,343), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.6% APRC representative.
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.
Your interest rate is fixed at 1.85% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £83,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.85% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 37 monthly payments of £414.01 and 203 monthly payments of £498.35.
The total amount payable would be £117,332 made up of the loan amount plus interest (£33,483), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.7% APRC representative.
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.
Your interest rate is fixed at 2.28% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £83,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 37 monthly payments of £430.98 and 203 monthly payments of £501.24.
The total amount payable would be £118,547 made up of the loan amount plus interest (£34,698), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.8% APRC representative.
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.
Your interest rate is fixed at 2.75% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £83,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.75% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 37 monthly payments of £450.00 and 203 monthly payments of £504.31.
The total amount payable would be £119,874 made up of the loan amount plus interest (£36,025), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.9% APRC representative.
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.
Your interest rate is fixed at 1.94% until 1st December 2022, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £130,000 payable over 20 years initially on this fixed rate product until 1st December 2022 at 1.94% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 61 monthly payments of £653.96 and 179 monthly payments of £766.62.
The total amount payable would be £177,966 made up of the loan amount plus interest (£47,117), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.3% APRC representative.
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.
Your interest rate is fixed at 2.14% until 1st December 2022, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £130,000 payable over 20 years initially on this fixed rate product until 1st December 2022 at 2.14% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 61 monthly payments of £666.30 and 179 monthly payments of £770.06.
The total amount payable would be £179,334 made up of the loan amount plus interest (£48,485), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.4% APRC representative.
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.
Your interest rate is fixed at 2.19% until 1st December 2022, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £130,000 payable over 20 years initially on this fixed rate product until 1st December 2022 at 2.19% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 61 monthly payments of £669.41 and 179 monthly payments of £770.91.
The total amount payable would be £179,676 made up of the loan amount plus interest (£48,827), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.4% APRC representative.
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.
Your interest rate is fixed at 2.39% until 1st December 2022, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £130,000 payable over 20 years initially on this fixed rate product until 1st December 2022 at 2.39% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 61 monthly payments of £681.93 and 179 monthly payments of £774.31.
The total amount payable would be £181,048 made up of the loan amount plus interest (£50,199), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.5% APRC representative.
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.
Your interest rate is fixed at 2.97% until 1st December 2022, followed by the Cumberland Standard Variable Rate (SVR), currently 4.24%, until the end of the mortgage.
A mortgage of £130,000 payable over 20 years initially on this fixed rate product until 1st December 2022 at 2.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.24% for the remaining term of the mortgage, would require 61 monthly payments of £719.03 and 179 monthly payments of £783.99.
The total amount payable would be £185,044 made up of the loan amount plus interest (£54,195), arrangement fee (£699) and other lending fees (£150).
The overall cost for comparison is 3.8% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.45% for the term of the mortgage.
A mortgage of £124,500 payable over 20 years initially on this variable rate product for the term of the mortgage at 2.79%, would require 240 monthly payments of £677.46.
The total amount payable would be £163,535 made up of the loan amount plus interest (£38,090), arrangement fee (£795) and other lending fees (£150).
The overall cost for comparison is 2.9% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.45% for the term of the mortgage.
A mortgage of £124,500 payable over 20 years initially on this variable rate product for the term of the mortgage at 2.79%, would require 240 monthly payments of £677.46.
The total amount payable would be £163,535 made up of the loan amount plus interest (£38,090), arrangement fee (£795) and other lending fees (£150).
The overall cost for comparison is 2.9% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.25% for the term of the mortgage.
A mortgage of £124,500 payable over 20 years initially on this variable rate product for the term of the mortgage at 2.99%, would require 240 monthly payments of £689.85.
The total amount payable would be £166,509 made up of the loan amount plus interest (£41,064), arrangement fee (£795) and other lending fees (£150).
The overall cost for comparison is 3.1% APRC representative.
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.
Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.24%, less the agreed discount of 1.25% for the term of the mortgage.
A mortgage of £124,500 payable over 20 years initially on this variable rate product for the term of the mortgage at 2.99%, would require 240 monthly payments of £689.85.
The total amount payable would be £166,509 made up of the loan amount plus interest (£41,064), arrangement fee (£795) and other lending fees (£150).
The overall cost for comparison is 3.1% APRC representative.
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.
Switching your mortgage, or remortgaging as it is known, is where you take a new mortgage on a property you already own and use the money to pay off your old mortgage. Most people remortgage to save money on their mortgage payments but if you have sufficient equity in your property you can also borrow more and spend it on whatever you like!
If you are near the end of your current mortgage deal or you are paying your lender’s standard mortgage rate, often referred to as SVR or Standard Variable Rate, it’s worth checking whether you should remortgage.
There are a number of reasons why you should consider remortgaging.
If you’re paying your lender’s standard mortgage rate (SVR) and you’ve still got a few years left on your mortgage you could save money on your monthly payments.
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.
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.
When you switch to the Cumberland, you know you’re getting a great value deal.
All our remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated, and a free standard valuation.
Pay nothing to switch your mortgage to us (selected products only).
As a condition of any mortgage you will need to ensure that the property is adequately insured (e.g. Building Insurance), however, this insurance does not have to be arranged through us.
Qualifying conditions