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Laura Rogerson, Mortgage and Protection Advisor
Meet Laura

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 once we've assessed your case, support 7 days a week and lending decisions made by people who understand your plans. It’s a much more personal approach.

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We offer residential mortgages up to 95% loan to value (LTV) (75% in London & SE England).*

*Subject to lending criteria at the time

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These products are available for a £120,000 mortgage with a 75% loan to value (LTV)
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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
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £524.74 and 180 monthly payments of £627.20.

The total amount payable would be £126,619 made up of the loan amount plus interest (£55,490), 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
8.0% 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
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £524.74 and 180 monthly payments of £627.20.

The total amount payable would be £126,619 made up of the loan amount plus interest (£55,490), 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
8.0% 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
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £524.74 and 180 monthly payments of £627.20.

The total amount payable would be £126,879 made up of the loan amount plus interest (£55,490), arrangement fee (£999), valuation fee (£260), 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
8.0% 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
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £524.74 and 180 monthly payments of £627.20.

The total amount payable would be £126,879 made up of the loan amount plus interest (£55,490), arrangement fee (£999), valuation fee (£260), 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
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £811.26 and 156 monthly payments of £950.82.

The total amount payable would be £168,927 made up of the loan amount plus interest (£67,798), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £811.26 and 156 monthly payments of £950.82.

The total amount payable would be £168,927 made up of the loan amount plus interest (£67,798), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £811.26 and 156 monthly payments of £950.82.

The total amount payable would be £169,187 made up of the loan amount plus interest (£67,798), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
5.39%
Initial Interest Rate
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £811.26 and 156 monthly payments of £950.82.

The total amount payable would be £169,187 made up of the loan amount plus interest (£67,798), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
8.0% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £530.45 and 180 monthly payments of £627.88.

The total amount payable would be £126,878 made up of the loan amount plus interest (£55,749), 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
5.54%
Initial Interest Rate
8.0% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £530.45 and 180 monthly payments of £627.88.

The total amount payable would be £126,878 made up of the loan amount plus interest (£55,749), 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
5.54%
Initial Interest Rate
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £819.21 and 156 monthly payments of £951.88.

The total amount payable would be £169,283 made up of the loan amount plus interest (£68,154), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
5.54%
Initial Interest Rate
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £819.21 and 156 monthly payments of £951.88.

The total amount payable would be £169,283 made up of the loan amount plus interest (£68,154), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a 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
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £534.28 and 180 monthly payments of £628.32.

The total amount payable would be £127,049 made up of the loan amount plus interest (£55,920), 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 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £70,000 payable over 17 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 £534.28 and 180 monthly payments of £628.32.

The total amount payable would be £127,049 made up of the loan amount plus interest (£55,920), 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
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £824.53 and 156 monthly payments of £952.59.

The total amount payable would be £169,522 made up of the loan amount plus interest (£68,393), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
5.64%
Initial Interest Rate
7.9% 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £100,000 payable over 15 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 £824.53 and 156 monthly payments of £952.59.

The total amount payable would be £169,522 made up of the loan amount plus interest (£68,393), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.05%
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 is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £499.38 and 276 monthly payments of £658.88.

The total amount payable would be £194,965 made up of the loan amount plus interest (£108,836), 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 FIXED RATE
5.05%
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 is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £499.38 and 276 monthly payments of £658.88.

The total amount payable would be £194,965 made up of the loan amount plus interest (£108,836), 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 FIXED RATE
5.05%
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 is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £499.38 and 276 monthly payments of £658.88.

The total amount payable would be £195,225 made up of the loan amount plus interest (£108,836), arrangement fee (£999), valuation fee (£260), 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 FIXED RATE
5.05%
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 is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £499.38 and 276 monthly payments of £658.88.

The total amount payable would be £195,225 made up of the loan amount plus interest (£108,836), arrangement fee (£999), valuation fee (£260), 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 FIXED RATE
5.05%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £670.45 and 192 monthly payments of £828.15.

The total amount payable would be £176,225 made up of the loan amount plus interest (£80,096), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.05%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £670.45 and 192 monthly payments of £828.15.

The total amount payable would be £176,225 made up of the loan amount plus interest (£80,096), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.05%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £670.45 and 192 monthly payments of £828.15.

The total amount payable would be £176,485 made up of the loan amount plus interest (£80,096), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.05%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 5.05% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.05% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £670.45 and 192 monthly payments of £828.15.

The total amount payable would be £176,485 made up of the loan amount plus interest (£80,096), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.43%
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 is fixed at 5.43% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £518.43 and 276 monthly payments of £660.38.

The total amount payable would be £195,836 made up of the loan amount plus interest (£109,707), 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 FIXED RATE
5.43%
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 is fixed at 5.43% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £518.43 and 276 monthly payments of £660.38.

The total amount payable would be £195,836 made up of the loan amount plus interest (£109,707), 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 FIXED RATE
5.43%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 5.43% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £690.14 and 192 monthly payments of £830.38.

The total amount payable would be £177,125 made up of the loan amount plus interest (£80,996), 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 FIXED RATE
5.43%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 5.43% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.43% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £690.14 and 192 monthly payments of £830.38.

The total amount payable would be £177,125 made up of the loan amount plus interest (£80,996), 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 FIXED RATE
5.50%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £521.97 and 276 monthly payments of £660.66.

The total amount payable would be £194,999 made up of the loan amount plus interest (£109,869), 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 FIXED RATE
5.50%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £521.97 and 276 monthly payments of £660.66.

The total amount payable would be £194,999 made up of the loan amount plus interest (£109,869), 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 FIXED RATE
5.50%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £521.97 and 276 monthly payments of £660.66.

The total amount payable would be £195,259 made up of the loan amount plus interest (£109,869), valuation fee (£260), 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 FIXED RATE
5.50%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £521.97 and 276 monthly payments of £660.66.

The total amount payable would be £195,259 made up of the loan amount plus interest (£109,869), valuation fee (£260), 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 FIXED RATE
5.50%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £693.80 and 192 monthly payments of £830.79.

The total amount payable would be £176,293 made up of the loan amount plus interest (£81,163), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.50%
Initial Interest Rate
7.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £693.80 and 192 monthly payments of £830.79.

The total amount payable would be £176,293 made up of the loan amount plus interest (£81,163), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.8% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.50%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £693.80 and 192 monthly payments of £830.79.

The total amount payable would be £176,553 made up of the loan amount plus interest (£81,163), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.50%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 5.50% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.50% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £693.80 and 192 monthly payments of £830.79.

The total amount payable would be £176,553 made up of the loan amount plus interest (£81,163), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED 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 90%

Your interest rate is fixed at 5.54% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 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 £524.01 and 276 monthly payments of £660.81.

The total amount payable would be £196,089 made up of the loan amount plus interest (£109,960), 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 FIXED 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 90%

Your interest rate is fixed at 5.54% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 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 £524.01 and 276 monthly payments of £660.81.

The total amount payable would be £196,089 made up of the loan amount plus interest (£109,960), 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 FIXED RATE
5.54%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.54% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 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 £695.90 and 192 monthly payments of £831.02.

The total amount payable would be £177,386 made up of the loan amount plus interest (£81,257), 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 FIXED RATE
5.54%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.54% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 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 £695.90 and 192 monthly payments of £831.02.

The total amount payable would be £177,386 made up of the loan amount plus interest (£81,257), 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 FIXED RATE
5.88%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.88% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.44 and 276 monthly payments of £662.09.

The total amount payable would be £195,861 made up of the loan amount plus interest (£110,731), 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 FIXED RATE
5.88%
Initial Interest Rate
8.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.88% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £541.44 and 276 monthly payments of £662.09.

The total amount payable would be £195,861 made up of the loan amount plus interest (£110,731), 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 FIXED RATE
5.88%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.88% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £713.86 and 192 monthly payments of £832.96.

The total amount payable would be £177,191 made up of the loan amount plus interest (£82,061), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.88%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.88% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.88% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £713.86 and 192 monthly payments of £832.96.

The total amount payable would be £177,191 made up of the loan amount plus interest (£82,061), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.99%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.99% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.99% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.14 and 276 monthly payments of £662.50.

The total amount payable would be £196,111 made up of the loan amount plus interest (£110,981), 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 FIXED RATE
5.99%
Initial Interest Rate
8.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.99% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 5.99% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £547.14 and 276 monthly payments of £662.50.

The total amount payable would be £196,111 made up of the loan amount plus interest (£110,981), 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 FIXED RATE
5.99%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.99% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.99% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £719.72 and 192 monthly payments of £833.58.

The total amount payable would be £177,451 made up of the loan amount plus interest (£82,321), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
5.99%
Initial Interest Rate
7.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.99% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £95,000 payable over 18 years initially on this fixed rate product until 1st January 2026 at 5.99% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £719.72 and 192 monthly payments of £833.58.

The total amount payable would be £177,451 made up of the loan amount plus interest (£82,321), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.9% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
6.54%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 6.54% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 6.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £576.05 and 276 monthly payments of £664.45.

The total amount payable would be £197,343 made up of the loan amount plus interest (£112,213), 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 FIXED RATE
6.54%
Initial Interest Rate
8.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 6.54% until 1st January 2026, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd January 2025 and 1% before 2nd January 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2026
Representative Example:

A mortgage of £85,000 payable over 25 years initially on this fixed rate product until 1st January 2026 at 6.54% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 24 monthly payments of £576.05 and 276 monthly payments of £664.45.

The total amount payable would be £197,343 made up of the loan amount plus interest (£112,213), 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.

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £406.21 and 240 monthly payments of £535.25.

The total amount payable would be £153,962 made up of the loan amount plus interest (£81,583), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £406.21 and 240 monthly payments of £535.25.

The total amount payable would be £153,962 made up of the loan amount plus interest (£81,583), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £406.21 and 240 monthly payments of £535.25.

The total amount payable would be £154,222 made up of the loan amount plus interest (£81,583), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £406.21 and 240 monthly payments of £535.25.

The total amount payable would be £154,222 made up of the loan amount plus interest (£81,583), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
6.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £784.79 and 192 monthly payments of £989.89.

The total amount payable would be £238,275 made up of the loan amount plus interest (£112,146), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.8% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
6.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £784.79 and 192 monthly payments of £989.89.

The total amount payable would be £238,275 made up of the loan amount plus interest (£112,146), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.8% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £784.79 and 192 monthly payments of £989.89.

The total amount payable would be £238,535 made up of the loan amount plus interest (£112,146), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.75%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 4.75% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.75% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £784.79 and 192 monthly payments of £989.89.

The total amount payable would be £238,535 made up of the loan amount plus interest (£112,146), arrangement fee (£999), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £413.62 and 240 monthly payments of £536.82.

The total amount payable would be £153,784 made up of the loan amount plus interest (£82,404), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £413.62 and 240 monthly payments of £536.82.

The total amount payable would be £153,784 made up of the loan amount plus interest (£82,404), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £413.62 and 240 monthly payments of £536.82.

The total amount payable would be £154,044 made up of the loan amount plus interest (£82,404), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £413.62 and 240 monthly payments of £536.82.

The total amount payable would be £154,044 made up of the loan amount plus interest (£82,404), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
6.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £797.27 and 192 monthly payments of £993.04.

The total amount payable would be £238,630 made up of the loan amount plus interest (£113,500), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.8% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
6.8% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £797.27 and 192 monthly payments of £993.04.

The total amount payable would be £238,630 made up of the loan amount plus interest (£113,500), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.8% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £797.27 and 192 monthly payments of £993.04.

The total amount payable would be £238,890 made up of the loan amount plus interest (£113,500), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.93%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 4.93% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.93% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £797.27 and 192 monthly payments of £993.04.

The total amount payable would be £238,890 made up of the loan amount plus interest (£113,500), valuation fee (£260), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.95%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 4.95% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.95% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £414.45 and 240 monthly payments of £536.99.

The total amount payable would be £154,874 made up of the loan amount plus interest (£82,495), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

5 YEAR FIXED RATE
4.95%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 4.95% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 4.95% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £414.45 and 240 monthly payments of £536.99.

The total amount payable would be £154,874 made up of the loan amount plus interest (£82,495), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

5 YEAR FIXED RATE
4.95%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 4.95% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.95% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £798.66 and 192 monthly payments of £993.39.

The total amount payable would be £239,779 made up of the loan amount plus interest (£113,650), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
4.95%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 4.95% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 4.95% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £798.66 and 192 monthly payments of £993.39.

The total amount payable would be £239,779 made up of the loan amount plus interest (£113,650), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.11% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £421.10 and 240 monthly payments of £538.36.

The total amount payable would be £155,601 made up of the loan amount plus interest (£83,222), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

5 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.11% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £421.10 and 240 monthly payments of £538.36.

The total amount payable would be £155,601 made up of the loan amount plus interest (£83,222), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

5 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.11% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £809.85 and 192 monthly payments of £996.17.

The total amount payable would be £240,985 made up of the loan amount plus interest (£114,856), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
5.11%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 5.11% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 5.11% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £809.85 and 192 monthly payments of £996.17.

The total amount payable would be £240,985 made up of the loan amount plus interest (£114,856), arrangement fee (£999), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
5.13%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.13% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £421.93 and 240 monthly payments of £538.53.

The total amount payable would be £154,693 made up of the loan amount plus interest (£83,313), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

5 YEAR FIXED RATE
5.13%
Initial Interest Rate
7.1% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.13% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £421.93 and 240 monthly payments of £538.53.

The total amount payable would be £154,693 made up of the loan amount plus interest (£83,313), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.1% 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.

5 YEAR FIXED RATE
5.13%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.13% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £811.25 and 192 monthly payments of £996.51.

The total amount payable would be £240,135 made up of the loan amount plus interest (£115,005), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
5.13%
Initial Interest Rate
6.9% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 5.13% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 5.13% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £811.25 and 192 monthly payments of £996.51.

The total amount payable would be £240,135 made up of the loan amount plus interest (£115,005), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 6.9% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
5.29%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.29% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.29% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £428.65 and 240 monthly payments of £539.88.

The total amount payable would be £155,420 made up of the loan amount plus interest (£84,040), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

5 YEAR FIXED RATE
5.29%
Initial Interest Rate
7.2% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.29% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.29% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £428.65 and 240 monthly payments of £539.88.

The total amount payable would be £155,420 made up of the loan amount plus interest (£84,040), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.2% 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.

5 YEAR FIXED RATE
5.29%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.29% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 5.29% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £822.53 and 192 monthly payments of £999.26.

The total amount payable would be £241,340 made up of the loan amount plus interest (£116,210), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
5.29%
Initial Interest Rate
7.0% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 5.29% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £125,000 payable over 21 years initially on this fixed rate product until 1st January 2029 at 5.29% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £822.53 and 192 monthly payments of £999.26.

The total amount payable would be £241,340 made up of the loan amount plus interest (£116,210), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.0% 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.

5 YEAR FIXED RATE
5.78%
Initial Interest Rate
7.4% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.78% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £449.53 and 240 monthly payments of £543.89.

The total amount payable would be £157,635 made up of the loan amount plus interest (£86,255), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
5.78%
Initial Interest Rate
7.4% APRC
Overall Cost for Comparison
Followed by variable rate
8.24%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 5.78% until 1st January 2029, followed by our Standard Variable Rate (SVR), currently 8.24%, until the end of the 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)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd January 2025, 4% before 2nd January 2026, 3% before 2nd January 2027, 2% before 2nd January 2028 and 1% before 2nd January 2029 of the amount repaid) if you repay all or part of your mortgage before 2nd January 2029
Representative Example:

A mortgage of £71,250 payable over 25 years initially on this fixed rate product until 1st January 2029 at 5.78% and then on our Standard Variable Rate (SVR), currently 8.24% for the remaining term of the mortgage, would require 60 monthly payments of £449.53 and 240 monthly payments of £543.89.

The total amount payable would be £157,635 made up of the loan amount plus interest (£86,255), other lending fees (£20) and a repayment fee (£110).

The overall cost for comparison is 7.4% APRC representative.

What is a Representative Example?

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

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FAQs

  • Do you have a maximum age limit?

    Yes, maximum age limits apply to our retirement mortgages.

    • For interest only lending, the oldest applicant at the date of the application must not exceed the age of 80 at the end of the mortgage term
    • For capital and interest (repayment) lending, the oldest applicant at the date of the application must not exceed the age of 85 at the end of the mortgage term.

    Enter your details into our product selector above to view the mortgages available to you.

  • I’ve been turned down by my existing provider – can you still help me?

    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.

  • Can I support my family with a retirement mortgage?

    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.

  • Do you offer mortgages all over the Great Britain?

    Yes, we lend all over Great Britain, although some of our mortgages are only available in certain areas. Contact us to discuss your circumstances.

  • Is there a minimum borrowing amount?

    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.