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Are you looking to borrow into retirement?
Whether you’re looking to support yourself or your family with a mortgage into retirement, our friendly expert team are here to help you understand your options.
We offer a dedicated mortgage advisor for the application process and lending decisions are made by people who understand your plans. It’s a much more personal approach.
If you’ve been turned down elsewhere, we could help
We lend throughout Great Britain
We provide award-winning customer service
We offer residential mortgages up to 80% loan to value (LTV) (70% in London & SE England).*
*Subject to lending criteria at the time
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.
Advisors you can really trust
When we say our mortgage advisors are experienced, we’re not joking – together they boast a combined total of 257 years helping people buy their homes.
Explore your options
Use our mortgage product selector to compare our latest mortgage deals.
If any part of your mortgage is Interest Only the maximum Loan-to-value (LTV) we offer is 75%*.
If you require a combination of repayment types, you can view the products available to you by selecting the Interest Only button below.
* LTV dependant on repayment strategy used.
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Our operating area is:
- Cumbria (all CA and LA postcodes)
- South-West Scotland (all DG postcodes and TD9)
- West Northumberland (NE45-49)
- Preston area of North Lancashire (all PR, FY, LA AND BB1-3 and BB5-7)
These products are available for a £120,000 mortgage with a 75% loan to value (LTV)
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £466.07 and 312 monthly payments of £608.45.
The total amount payable would be £202,151 made up of the loan amount plus interest (£120,277), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £466.07 and 312 monthly payments of £608.45.
The total amount payable would be £202,411 made up of the loan amount plus interest (£120,277), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £932.00.
The total amount payable would be £275,858 made up of the loan amount plus interest (£154,729), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £932.00.
The total amount payable would be £276,118 made up of the loan amount plus interest (£154,729), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £466.07 and 312 monthly payments of £608.45.
The total amount payable would be £202,151 made up of the loan amount plus interest (£120,277), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £466.07 and 312 monthly payments of £608.45.
The total amount payable would be £202,411 made up of the loan amount plus interest (£120,277), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £932.00.
The total amount payable would be £275,858 made up of the loan amount plus interest (£154,729), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.0% APRC representative.
What is a Representative Example?
Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.39% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £729.04 and 276 monthly payments of £932.00.
The total amount payable would be £276,118 made up of the loan amount plus interest (£154,729), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £473.51 and 312 monthly payments of £608.95.
The total amount payable would be £202,486 made up of the loan amount plus interest (£120,612), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £739.77 and 276 monthly payments of £932.82.
The total amount payable would be £276,342 made up of the loan amount plus interest (£155,213), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £473.51 and 312 monthly payments of £608.95.
The total amount payable would be £202,486 made up of the loan amount plus interest (£120,612), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.70% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £739.77 and 276 monthly payments of £932.82.
The total amount payable would be £276,342 made up of the loan amount plus interest (£155,213), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £478.51 and 312 monthly payments of £609.27.
The total amount payable would be £202,705 made up of the loan amount plus interest (£120,831), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.36.
The total amount payable would be £276,664 made up of the loan amount plus interest (£155,535), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £478.51 and 312 monthly payments of £609.27.
The total amount payable would be £202,705 made up of the loan amount plus interest (£120,831), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.36.
The total amount payable would be £276,664 made up of the loan amount plus interest (£155,535), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £478.51 and 312 monthly payments of £609.27.
The total amount payable would be £202,705 made up of the loan amount plus interest (£120,831), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £478.51 and 312 monthly payments of £609.27.
The total amount payable would be £202,965 made up of the loan amount plus interest (£120,831), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.36.
The total amount payable would be £276,664 made up of the loan amount plus interest (£155,535), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.36.
The total amount payable would be £276,924 made up of the loan amount plus interest (£155,535), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £478.51 and 312 monthly payments of £609.27.
The total amount payable would be £202,705 made up of the loan amount plus interest (£120,831), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £80,745 payable over 28 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £478.51 and 312 monthly payments of £609.27.
The total amount payable would be £202,965 made up of the loan amount plus interest (£120,831), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.2% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- Free Valuation Fee - No charge for the valuation of your property
- Free Legal Fees - Cumberland remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.36.
The total amount payable would be £276,664 made up of the loan amount plus interest (£155,535), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%
Your interest rate tracks our Standard Variable Rate (SVR), currently 8.24%, less the agreed discount of 2.60% for the first 2 years, followed by our SVR until the end of the mortgage.
- Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
- £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
- Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
- Will have to pay an early-repayment charge of 0.5% 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 £120,000 payable over 25 years initially on this variable rate product for 2 years at 5.64% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £746.97 and 276 monthly payments of £933.36.
The total amount payable would be £276,924 made up of the loan amount plus interest (£155,535), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).
The overall cost for comparison is 8.1% 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 Mortgage Illustration, please contact us directly.
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Please get in touch to discuss your requirements.
Frequently Asked Questions
Yes, maximum age limits apply to our retirement mortgages.
- For interest only lending, on the date the application is taken, the oldest applicants age at the end of the mortgage term cannot be later than their 81st birthday.
- For capital and interest (repayment) lending, on the date the application is taken, the oldest applicants age at the end of the mortgage term cannot be later than their 86th birthday.
We know how frustrating this can be but don’t worry, we may be able to help. Unlike many other mortgage providers, we offer mortgages into retirement and we take your personal circumstances into account instead of using computers to make our lending decisions. Get in touch with our team to find out more.
Yes, we’ve helped many people who want to support family members by helping them save for a house deposit or paying their university fees, for example.
You can use your funds for lots of purposes – not just home improvements.
Yes, we lend all over Great Britain, although some of our mortgages are only available in certain areas. Contact us to discuss your circumstances.
The minimum borrowing amount is £50,000. The total of your existing loan and your new application must be no more than 80% of the value of your home.