At the Cumberland, our aim is to create a banking experience that is kinder to people and planet.
Celebrating our 175th birthday in 2025, we remain a purpose-led, financially strong, socially responsible building society, focussed on our people, planet and communities. Owned by our customers rather than shareholders, we are able to invest 100% of our profits back into our business and the people who make us what we are today.
Our five core values underpin who we are and what we stand for. They form the basis of how we approach our business and they guide every decision we make.
Our ‘kinder banking’ philosophy is reflected by investment in our branch network, by having real people on the end of a call, by our internal diversity and inclusion policies, and externally through our work within our local communities such as our Kinder Kind of Kitchen campaign and Charitable Foundation.
Being a customer of The Cumberland means you know your money is being used to help others like you achieve their own financial goals.
We are Cumbria’s largest financial institution with £2.6bn in mortgage lending and savings balances of £2.8bn. We operate 32 branches across Cumbria, Lancashire, Northumberland and southwest Scotland.
At its core, our business model is relatively simple. We use the savings our customers deposit with us to lend to people and businesses to buy property. The majority of our lending is to people in North West England and South West Scotland who are buying a home, but we also specialise in some areas of commercial lending like hospitality mortgages and holiday lets - industries our region is particularly celebrated for.
We don’t make direct investments in stocks and shares and we do not provide funding for fossil fuel projects or companies. As a result, many of the issues associated with ethical investment, such as avoiding companies involved in negative ethical issues, do not apply to our business, and we don’t invest your money outside the UK.
Our Commitments
