Follow the link below to view our full Lending Criteria Guide.
Please Note: The information included within these pages is for for use by FCA authorised intermediaries only. If you are a customer please visit our customer web pages.
Please Note: The information included within these pages is for for use by FCA authorised intermediaries only. If you are a customer please visit our customer web pages.
Important Information: We are currently only accepting applications from intermediaries located within our branch operating area unless already registered. Click here for more information.
You can download a copy of our registration documents below and once completed, just sign and send a scanned copy to us at intermediaries@cumberland.co.uk. You can submit these at anytime or with your first enquiry, as our due diligence checks will be completed within 48 hours.
If you are an appointed representative of MAB or Sesame, as these networks are on our panel, you only need to complete the Intermediary Registration document.
Download the Intermediary Registration Form
Download the Terms of Business for Mortgage Intermediaries Form
Once you have been added to our broker panel, you can register to submit mortgage Dips and Applications via our Broker Portal.
If you are already on our Intermediary panel or have completed the registration process, you can request access to our Broker Portal. Once we approve your access, you will be able to submit Esis requests, DIPs, Residential Mortgage Applications and upload supporting documentation all in one place.
For any products not currently displayed on sourcing systems, you can request a Mortgage Illustration via our Broker Portal
Please use our online affordability calculator. However for more complex cases, if you would like a Decision in Principle which also includes a soft credit search, please submit your request via our Broker Portal.
You can request a Decision in Principle via our Broker Portal. We will complete a ‘soft credit search’ at this stage and a Dip decision will be uploaded within 24-48 hours.
You can submit a residential application via our Broker Portal. As part of the application process, there will be a summary of what supporting documentation is required but this is also shown in our Packaging How To Guide.
Along with the completed Residential Application Form, we would require the following supporting documentation where applicable:
ID&V
At application stage, we will complete a hard credit search and use electronic ID&V. We would only request additional documentation if this is unsuccessful.
Income
Employed: last 2 months' salary slips
Self-employed: last 2 years' SA302s and last 2 months' business bank statements
2 years' accounts only required where the customer is >50% shareholder and would like us to consider the use of net profit, or if the loan amount is in excess of 75% loan to value or £750,000
Bonus payment: last 2 P60s and average would be used
Fixed / zero-hours contracts: last 2 salary slips and latest P60
Investment income: portfolio statement dated within last 12 months
Other income: last 2 months banks statements evidencing corresponding credits
Bank statements
Last 2 months' bank statements for all active current accounts showing client name and address.
Proof of deposit
If applicable, statement showing savings or completed gifted deposit form, which can be accessed here.
Application form
We require the original direct debit mandate wet signed prior to mortgage offer but we can proceed with a scanned copy at application stage.
The signed hard copy should be posted to: FREEPOST, Cumberland Building Society, Cumberland House, Cooper Way, Carlisle, CA3 0JF
Please refer to the Rate Switch section of our website to find out more.
Should the portal be unavailable, please refer to our Documents library, where you will find editable pdf versions of all our forms, including our Residential Application form, which can also be completed for a DIP (section A-E) or full application.
You can then email this, together with supporting documentation direct to your dedicated relationship manager.
We have a dedicated team of Intermediary Relationship Managers ready to support you and your customers.