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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.

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

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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
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,134 made up of the loan amount plus interest (£107,005), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £465.78 and 336 monthly payments of £657.22.

The total amount payable would be £233,394 made up of the loan amount plus interest (£107,005), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,482 made up of the loan amount plus interest (£79,103), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.06%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.93% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.06% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £496.13 and 276 monthly payments of £664.66.

The total amount payable would be £196,742 made up of the loan amount plus interest (£79,103), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £471.46 and 336 monthly payments of £657.69.

The total amount payable would be £233,428 made up of the loan amount plus interest (£107,299), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £471.46 and 336 monthly payments of £657.69.

The total amount payable would be £233,428 made up of the loan amount plus interest (£107,299), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.26 and 276 monthly payments of £665.16.

The total amount payable would be £196,743 made up of the loan amount plus interest (£79,364), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.15%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.84% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.15% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.26 and 276 monthly payments of £665.16.

The total amount payable would be £196,743 made up of the loan amount plus interest (£79,364), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,460 made up of the loan amount plus interest (£107,331), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £472.09 and 336 monthly payments of £657.74.

The total amount payable would be £233,720 made up of the loan amount plus interest (£107,331), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £196,771 made up of the loan amount plus interest (£79,392), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.16%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.83% 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 £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.16% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £501.84 and 276 monthly payments of £665.21.

The total amount payable would be £197,031 made up of the loan amount plus interest (£79,392), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £475.26 and 336 monthly payments of £658.00.

The total amount payable would be £233,623 made up of the loan amount plus interest (£107,494), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £475.26 and 336 monthly payments of £658.00.

The total amount payable would be £233,623 made up of the loan amount plus interest (£107,494), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £504.70 and 276 monthly payments of £665.49.

The total amount payable would be £196,917 made up of the loan amount plus interest (£79,538), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.21%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.78% 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.21% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £504.70 and 276 monthly payments of £665.49.

The total amount payable would be £196,917 made up of the loan amount plus interest (£79,538), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,342 made up of the loan amount plus interest (£108,212) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £125,000 payable over 30 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £489.36 and 336 monthly payments of £659.13.

The total amount payable would be £233,602 made up of the loan amount plus interest (£108,212), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,552 made up of the loan amount plus interest (£80,172) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR DISCOUNT VARIABLE RATE
2.43%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.99%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR 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 (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £116,250 payable over 25 years initially on this variable rate product for 2 years at 2.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 24 monthly payments of £517.43 and 276 monthly payments of £666.68.

The total amount payable would be £196,812 made up of the loan amount plus interest (£80,172), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,474 made up of the loan amount plus interest (£71,844) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,734 made up of the loan amount plus interest (£71,844), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,438 made up of the loan amount plus interest (£61,308) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,698 made up of the loan amount plus interest (£61,308), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,474 made up of the loan amount plus interest (£71,844) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £539.36 and 237 monthly payments of £634.45.

The total amount payable would be £184,734 made up of the loan amount plus interest (£71,844), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,438 made up of the loan amount plus interest (£61,308) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.10%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.10% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.10% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £460.25 and 237 monthly payments of £541.40.

The total amount payable would be £157,698 made up of the loan amount plus interest (£61,308), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,488 made up of the loan amount plus interest (£72,858) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,748 made up of the loan amount plus interest (£72,858), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,303 made up of the loan amount plus interest (£62,173) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,563 made up of the loan amount plus interest (£62,173), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,488 made up of the loan amount plus interest (£72,858) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £548.23 and 237 monthly payments of £636.37.

The total amount payable would be £185,748 made up of the loan amount plus interest (£72,858), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,303 made up of the loan amount plus interest (£62,173) and other lending fees (£20).

The overall cost for comparison is 4.3% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.25%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.25% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.25% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £467.82 and 237 monthly payments of £543.04.

The total amount payable would be £158,563 made up of the loan amount plus interest (£62,173), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £553.00 and 237 monthly payments of £637.38.

The total amount payable would be £186,028 made up of the loan amount plus interest (£73,398) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £471.89 and 237 monthly payments of £543.90.

The total amount payable would be £158,763 made up of the loan amount plus interest (£62,633) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £553.00 and 237 monthly payments of £637.38.

The total amount payable would be £186,028 made up of the loan amount plus interest (£73,398) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.33%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.33% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.33% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £471.89 and 237 monthly payments of £543.90.

The total amount payable would be £158,763 made up of the loan amount plus interest (£62,633) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £100,813 made up of the loan amount plus interest (£29,433) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £101,073 made up of the loan amount plus interest (£29,433), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,057 made up of the loan amount plus interest (£60,927) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,317 made up of the loan amount plus interest (£60,927), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £100,813 made up of the loan amount plus interest (£29,433) and other lending fees (£20).

The overall cost for comparison is 4.6% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £479.89 and 165 monthly payments of £531.67.

The total amount payable would be £101,073 made up of the loan amount plus interest (£29,433), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,057 made up of the loan amount plus interest (£60,927) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.35%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 3.35% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.35% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £712.18 and 201 monthly payments of £804.47.

The total amount payable would be £181,317 made up of the loan amount plus interest (£60,927), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £558.99 and 237 monthly payments of £638.64.

The total amount payable would be £186,704 made up of the loan amount plus interest (£74,074) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £477.00 and 237 monthly payments of £544.98.

The total amount payable would be £159,341 made up of the loan amount plus interest (£63,211) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £558.99 and 237 monthly payments of £638.64.

The total amount payable would be £186,704 made up of the loan amount plus interest (£74,074) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.43%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.43% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.43% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £477.00 and 237 monthly payments of £544.98.

The total amount payable would be £159,341 made up of the loan amount plus interest (£63,211) and other lending fees (£20).

The overall cost for comparison is 4.4% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,079 made up of the loan amount plus interest (£29,699) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,339 made up of the loan amount plus interest (£29,699), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,523 made up of the loan amount plus interest (£61,393) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,783 made up of the loan amount plus interest (£61,393), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,079 made up of the loan amount plus interest (£29,699) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £485.17 and 165 monthly payments of £532.42.

The total amount payable would be £101,339 made up of the loan amount plus interest (£29,699), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,523 made up of the loan amount plus interest (£61,393) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.50%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.50% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.50% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £721.31 and 201 monthly payments of £805.56.

The total amount payable would be £181,783 made up of the loan amount plus interest (£61,393), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £488.00 and 165 monthly payments of £532.82.

The total amount payable would be £101,221 made up of the loan amount plus interest (£29,841) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £726.21 and 201 monthly payments of £806.13.

The total amount payable would be £181,770 made up of the loan amount plus interest (£61,640) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £488.00 and 165 monthly payments of £532.82.

The total amount payable would be £101,221 made up of the loan amount plus interest (£29,841) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.58%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 3.58% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.58% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £726.21 and 201 monthly payments of £806.13.

The total amount payable would be £181,770 made up of the loan amount plus interest (£61,640) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £570.47 and 237 monthly payments of £641.01.

The total amount payable would be £187,989 made up of the loan amount plus interest (£75,359) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £486.80 and 237 monthly payments of £546.99.

The total amount payable would be £160,435 made up of the loan amount plus interest (£64,305) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £570.47 and 237 monthly payments of £641.01.

The total amount payable would be £187,989 made up of the loan amount plus interest (£75,359) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.62%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 3.62% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £96,000 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.62% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £486.80 and 237 monthly payments of £546.99.

The total amount payable would be £160,435 made up of the loan amount plus interest (£64,305) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.64%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.64% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.64% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £571.68 and 237 monthly payments of £641.26.

The total amount payable would be £188,124 made up of the loan amount plus interest (£75,494) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

5 YEAR FIXED RATE
3.64%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.64% until 1st October 2027, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023, 4% before 2nd October 2024, 3% before 2nd October 2025, 2% before 2nd October 2026 and 1% before 2nd October 2027 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2027
Representative Example:

A mortgage of £112,500 payable over 25 years initially on this fixed rate product until 1st October 2027 at 3.64% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 63 monthly payments of £571.68 and 237 monthly payments of £641.26.

The total amount payable would be £188,124 made up of the loan amount plus interest (£75,494) and other lending fees (£20).

The overall cost for comparison is 4.5% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £491.56 and 165 monthly payments of £533.31.

The total amount payable would be £101,398 made up of the loan amount plus interest (£30,018) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £732.36 and 201 monthly payments of £806.84.

The total amount payable would be £182,079 made up of the loan amount plus interest (£61,949) and other lending fees (£20).

The overall cost for comparison is 4.8% 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
3.68%
Initial Interest Rate
4.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £491.56 and 165 monthly payments of £533.31.

The total amount payable would be £101,398 made up of the loan amount plus interest (£30,018) and other lending fees (£20).

The overall cost for comparison is 4.7% APRC representative.

What is a Representative Example?

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

2 YEAR FIXED RATE
3.68%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 3.68% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £120,000 payable over 19 years initially on this fixed rate product until 1st October 2024 at 3.68% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £732.36 and 201 monthly payments of £806.84.

The total amount payable would be £182,079 made up of the loan amount plus interest (£61,949) and other lending fees (£20).

The overall cost for comparison is 4.8% 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
3.89%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.89% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.89% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £499.06 and 165 monthly payments of £534.34.

The total amount payable would be £101,771 made up of the loan amount plus interest (£30,391) and other lending fees (£20).

The overall cost for comparison is 4.8% 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
3.89%
Initial Interest Rate
4.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.99%
Arrangement Fee
No fee
Loan To Value
Up to 95%

Your interest rate is fixed at 3.89% until 1st October 2024, followed by our Standard Variable Rate (SVR), currently 4.99%, 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 October 2023 and 1% before 2nd October 2024 of the amount repaid) if you repay all or part of your mortgage before 2nd October 2024
Representative Example:

A mortgage of £71,250 payable over 16 years initially on this fixed rate product until 1st October 2024 at 3.89% and then on our Standard Variable Rate (SVR), currently 4.99% for the remaining term of the mortgage, would require 27 monthly payments of £499.06 and 165 monthly payments of £534.34.

The total amount payable would be £101,771 made up of the loan amount plus interest (£30,391) and other lending fees (£20).

The overall cost for comparison is 4.8% 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.

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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 UK?

    Yes, we lend all over the UK, 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.