55 to 105 and beyond... there's no upper age limit on our later life mortgages
Find out how much you could borrow and your monthly payments
Mortgage Calculator


Perhaps you want to help your family with university costs or provide them with a deposit for their first home? Maybe you’re planning on improving your home? You might simply want to enjoy life a little more. If you’re a homeowner, your age shouldn’t be a barrier to taking a mortgage.

Unlike a lot of banks and building societies we don’t have an upper age limit for borrowers, either at the time you apply or the time the mortgage is due to end.

Here's how we helped Peter, 70, get a new mortgage.

Obviously we do need to make sure you can afford it so we will check your actual or anticipated income in your retirement when you apply.

As we review all mortgage applications individually, our team of specialist mortgage underwriters will look at your specific circumstances and we’ll let you know how we can help.

Peter Capstick, 70, Cumberland Customer

At the bank it seemed to be a case of this is what the screen says and this is what I must do, but at the Cumberland it was 'I will get in touch with the underwriting team to say what I think what we should do in this case'.

Peter Capstick, 70, Cumberland Customer

Mortgages from the Cumberland

Moving Home
Mortgages to help get you moving
Mortgages For Moving Home
We'll help you make the right mortgage choice so your move is as smooth as possible
Remortgage To Us
Move your mortgage for a better deal
Remortgage Deals
Find out if you could save money by moving your mortgage to the Cumberland
Buy To Let
Buying a property or switching your mortgage
Buy-To-Let Mortgages
Whether you are investing in property for the first time, or you already have an established portfolio, we have a great mortgage deal for you
Holiday Let
Buying a property or switching your mortgage
Holiday Let Mortgages
We are one of very few lenders who offer specially designed holiday let mortgages in the UK. Talk to one of our specialist lending managers today
Borrowing More
For existing Cumberland mortgage customers
Borrowing More
Home improvements, a car or a dream holiday? Find out if you could increase your existing Cumberland mortgage to pay for something special
Switch To A New Deal
For existing Cumberland mortgage customers
New Cumberland Deal
If your mortgage is at the end of your initial interest rate period, check whether you can get a better deal
Where We Lend

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

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

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

Mortgage Calculator
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.