Switch your mortgage for nowt
Our 2 year variable rate remortgage has no fees* *Applies to selected 2 year variable rate remortgage products up to a maximum loan to value of 90%. Excludes Buy to Let remortgage products.
Book Appointment

Why switch your mortgage to The Cumberland?

Get a better deal
You could save money and reduce your monthly payments by switching your mortgage to The Cumberland
No fees
We offer free valuations and free legal service (standard cases only) to help get you started*
Hassle free
The switching process is quick and easy and you can speak to our team about your application at any time

What do you mean ‘switch for nowt’?

You might expect remortgaging to be an expensive task – but if you switch to our 2 year variable rate product you don’t have to pay anything upfront. Nothing. Nowt.

Use our product selector below to find the right mortgage deal for you.

Our Current Deals

Please enter your requirements below to display the appropriate available deals beneath

£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT RATE
1.37%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.37% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.37% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £347.91 and 216 monthly payments of £458.69.

The total amount payable would be £108,276 made up of the loan amount plus interest (£34,427), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.44%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.30% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.44% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £350.25 and 216 monthly payments of £458.98.

The total amount payable would be £108,395 made up of the loan amount plus interest (£34,546), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £351.25 and 216 monthly payments of £459.11.

The total amount payable would be £108,447 made up of the loan amount plus interest (£34,598), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £351.25 and 216 monthly payments of £459.11.

The total amount payable would be £108,747 made up of the loan amount plus interest (£34,598), arrangement fee (£999) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.47%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.27% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £351.25 and 216 monthly payments of £459.11.

The total amount payable would be £108,747 made up of the loan amount plus interest (£34,598), arrangement fee (£999) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £353.60 and 216 monthly payments of £459.40.

The total amount payable would be £108,566 made up of the loan amount plus interest (£34,717), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.54%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.20% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.54% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £353.60 and 216 monthly payments of £459.40.

The total amount payable would be £108,866 made up of the loan amount plus interest (£34,717), arrangement fee (£999) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.17% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £354.61 and 216 monthly payments of £459.52.

The total amount payable would be £108,916 made up of the loan amount plus interest (£34,767), arrangement fee (£999) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.57%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.17% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.57% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £354.61 and 216 monthly payments of £459.52.

The total amount payable would be £108,916 made up of the loan amount plus interest (£34,767), arrangement fee (£999) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.58%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.16% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £354.95 and 216 monthly payments of £459.56.

The total amount payable would be £108,633 made up of the loan amount plus interest (£34,784), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.64%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.10% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.64% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £356.98 and 216 monthly payments of £459.81.

The total amount payable would be £109,035 made up of the loan amount plus interest (£34,886), arrangement fee (£999) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.67%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.07% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £357.99 and 216 monthly payments of £459.93.

The total amount payable would be £108,786 made up of the loan amount plus interest (£34,937), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.68%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.06% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.68% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £358.33 and 216 monthly payments of £459.97.

The total amount payable would be £108,802 made up of the loan amount plus interest (£34,953), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.72%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 3.02% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.72% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £359.69 and 216 monthly payments of £460.14.

The total amount payable would be £108,148 made up of the loan amount plus interest (£35,023) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.77%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.97% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.77% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £361.40 and 216 monthly payments of £460.34.

The total amount payable would be £108,956 made up of the loan amount plus interest (£35,107), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
1.79%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.95% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.79% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £362.08 and 216 monthly payments of £460.42.

The total amount payable would be £108,266 made up of the loan amount plus interest (£35,141) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.93%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.81% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.93% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £366.88 and 216 monthly payments of £460.99.

The total amount payable would be £108,504 made up of the loan amount plus interest (£35,379) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.97%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.77% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £368.26 and 216 monthly payments of £461.15.

The total amount payable would be £108,572 made up of the loan amount plus interest (£35,447) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.97%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.77% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £368.26 and 216 monthly payments of £461.15.

The total amount payable would be £108,572 made up of the loan amount plus interest (£35,447) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
1.98%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.76% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 1.98% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £368.60 and 216 monthly payments of £461.20.

The total amount payable would be £109,315 made up of the loan amount plus interest (£35,466), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.02%
Initial Interest Rate
4.2% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.72% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 2.02% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £369.99 and 216 monthly payments of £461.36.

The total amount payable would be £108,659 made up of the loan amount plus interest (£35,534) and other lending fees (£125).

The overall cost for comparison is 4.2% APRC representative.

What is a Representative Example?

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

Book An Appointment
2 YEAR DISCOUNT RATE
2.04%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.70% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 2.04% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £370.68 and 216 monthly payments of £461.44.

The total amount payable would be £108,692 made up of the loan amount plus interest (£35,567) and other lending fees (£125).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.08%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.66% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 2.08% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £372.07 and 216 monthly payments of £461.60.

The total amount payable would be £109,484 made up of the loan amount plus interest (£35,635), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR DISCOUNT RATE
2.33%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 2.41% for the first 2 years, followed by the SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • 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 £73,000 payable over 20 years initially on this variable rate product for 2 years at 2.33% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £380.81 and 216 monthly payments of £462.59.

The total amount payable would be £109,184 made up of the loan amount plus interest (£36,059) and other lending fees (£125).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.67%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 1.67% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.67% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £357.99 and 216 monthly payments of £459.93.

The total amount payable would be £108,786 made up of the loan amount plus interest (£34,937), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.74%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 1.74% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.74% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £360.37 and 216 monthly payments of £460.22.

The total amount payable would be £108,905 made up of the loan amount plus interest (£35,056), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.88%
Initial Interest Rate
4.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 1.88% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.88% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £365.16 and 216 monthly payments of £460.79.

The total amount payable would be £109,143 made up of the loan amount plus interest (£35,294), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
1.97%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 1.97% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 1.97% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £368.26 and 216 monthly payments of £461.15.

The total amount payable would be £109,296 made up of the loan amount plus interest (£35,447), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.28%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.28% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.28% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £379.05 and 216 monthly payments of £462.39.

The total amount payable would be £109,822 made up of the loan amount plus interest (£35,973), arrangement fee (£699) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.52%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.52% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.52% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £387.54 and 216 monthly payments of £463.33.

The total amount payable would be £109,579 made up of the loan amount plus interest (£36,380), arrangement fee (£49) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.59%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.59% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.59% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £390.04 and 216 monthly payments of £463.60.

The total amount payable would be £109,698 made up of the loan amount plus interest (£36,499), arrangement fee (£49) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.73%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 2.73% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.73% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £395.06 and 216 monthly payments of £464.14.

The total amount payable would be £109,935 made up of the loan amount plus interest (£36,736), arrangement fee (£49) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
2.82%
Initial Interest Rate
4.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 2.82% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 2.82% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £398.31 and 216 monthly payments of £464.49.

The total amount payable would be £110,088 made up of the loan amount plus interest (£36,889), arrangement fee (£49) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
2 YEAR FIXED RATE
3.13%
Initial Interest Rate
4.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 3.13% until 1st December 2020, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (2% before 2nd December 2019 and 1% before 2nd December 2020 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2020
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £73,000 payable over 20 years initially on this fixed rate product until 1st December 2020 at 3.13% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 24 monthly payments of £409.62 and 216 monthly payments of £465.66.

The total amount payable would be £110,612 made up of the loan amount plus interest (£37,413), arrangement fee (£49) and other lending fees (£150).

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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.10%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 60%

Your interest rate is fixed at 2.10% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.10% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £612.76 and 180 monthly payments of £734.87.

The total amount payable would be £169,891 made up of the loan amount plus interest (£49,042), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.6% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.21%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 75%

Your interest rate is fixed at 2.21% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.21% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £619.07 and 180 monthly payments of £736.63.

The total amount payable would be £170,587 made up of the loan amount plus interest (£49,738), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.7% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.38%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 80%

Your interest rate is fixed at 2.38% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.38% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £628.89 and 180 monthly payments of £739.35.

The total amount payable would be £171,665 made up of the loan amount plus interest (£50,816), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.8% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.47%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 60%

Your interest rate is fixed at 2.47% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.47% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £634.13 and 180 monthly payments of £740.77.

The total amount payable would be £171,585 made up of the loan amount plus interest (£51,386), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.7% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.50%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 85%

Your interest rate is fixed at 2.50% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.50% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £635.88 and 180 monthly payments of £741.25.

The total amount payable would be £172,427 made up of the loan amount plus interest (£51,578), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 3.8% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.58%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 75%

Your interest rate is fixed at 2.58% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.58% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £640.57 and 180 monthly payments of £742.51.

The total amount payable would be £172,285 made up of the loan amount plus interest (£52,086), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.8% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
5 YEAR FIXED RATE
2.75%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 80%

Your interest rate is fixed at 2.75% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.75% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £650.60 and 180 monthly payments of £745.17.

The total amount payable would be £173,366 made up of the loan amount plus interest (£53,167), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.87%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 85%

Your interest rate is fixed at 2.87% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.87% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £657.73 and 180 monthly payments of £747.04.

The total amount payable would be £174,130 made up of the loan amount plus interest (£53,931), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
2.94%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£699
Loan To Value
Up to 90%

Your interest rate is fixed at 2.94% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 2.94% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £661.92 and 180 monthly payments of £748.13.

The total amount payable would be £175,228 made up of the loan amount plus interest (£54,379), arrangement fee (£699) and other lending fees (£150).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

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

Book An Appointment
5 YEAR FIXED RATE
3.31%
Initial Interest Rate
4.1% APRC
Overall Cost for Comparison
Followed by variable rate
4.74%
Arrangement Fee
£49
Loan To Value
Up to 90%

Your interest rate is fixed at 3.31% until 1st December 2023, followed by the Cumberland Standard Variable Rate (SVR), currently 4.74%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
  • Cashback - £1,000 cashback
  • £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 KFI and mortgage offer
  • Will have to pay an early-repayment charge (5% before 2nd December 2019, 4% before 2nd December 2020, 3% before 2nd December 2021, 2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £120,000 payable over 20 years initially on this fixed rate product until 1st December 2023 at 3.31% and then on the Cumberland Standard Variable Rate (SVR), currently 4.74% for the remaining term of the mortgage, would require 60 monthly payments of £684.29 and 180 monthly payments of £753.80.

The total amount payable would be £176,940 made up of the loan amount plus interest (£56,741), arrangement fee (£49) and other lending fees (£150).

The overall cost for comparison is 4.1% APRC representative.

What is a Representative Example?

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

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.5% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 252 monthly payments of £412.57.

The total amount payable would be £104,913 made up of the loan amount plus interest (£28,968), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.5% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.5% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 60%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 252 monthly payments of £412.57.

The total amount payable would be £104,913 made up of the loan amount plus interest (£28,968), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.5% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.29%
Until End Of Mortgage
3.5% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 50%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.45% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this variable rate product for the term of the mortgage at 3.29%, would require 252 monthly payments of £412.57.

The total amount payable would be £104,913 made up of the loan amount plus interest (£28,968), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.5% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.49%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.25% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this variable rate product for the term of the mortgage at 3.49%, would require 252 monthly payments of £420.30.

The total amount payable would be £106,861 made up of the loan amount plus interest (£30,916), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.7% 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 Key Facts Illustration, please contact us directly.

Book An Appointment
OFFSET
3.49%
Until End Of Mortgage
3.7% APRC
Overall Cost for Comparison
Arrangement Fee
£795
Loan To Value
Up to 75%

Your interest rate tracks the Cumberland Standard Variable Rate (SVR), currently 4.74%, less the agreed discount of 1.25% for the term of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • Free Legal Service - You will not be charged if you use a Cumberland nominated solicitor (standard cases only)
Find outHide more
  • Can repay lump sums without any early repayment charge - full details will be found in your KFI and mortgage offer
  • 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 of your mortgage within the early repayment charge period
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £75,000 payable over 21 years initially on this variable rate product for the term of the mortgage at 3.49%, would require 252 monthly payments of £420.30.

The total amount payable would be £106,861 made up of the loan amount plus interest (£30,916), arrangement fee (£795) and other lending fees (£150).

The overall cost for comparison is 3.7% 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 Key Facts Illustration, please contact us directly.

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*Applies to selected 2 year variable rate remortgage products up to a maximum loan to value of 90%. Excludes Buy to Let remortgage products. We’ll arrange a free valuation for mortgage purposes and we’ll not charge you for legal work if you use a Society nominated solicitor (standard cases only). Your mortgage is secured on your home. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.