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Moving home with The Cumberland
We offer residential mortgages up to 95% loan to value (LTV) (75% in London & SE England).*Subject to lending criteria at the time
What does a mortgage really mean?
Beyond the finance, obtaining a mortgage can mean so many things – like spreading your wings or starting a family. Our mortgage hub is here to help with some useful information to get you started on your journey.
Support for existing customers
You may be able to take your existing mortgage with you to your next home, known as porting.
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.
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Next steps
See how much you could borrow
Use our mortgage calculator to work out how much you could borrow from us.
Book an appointment
Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.
Frequently Asked Questions
Buying a home is a big step and there’s a lot to consider.
Finding out how much you can borrow is a great place to start. It allows you to narrow down your search to the properties within your budget, ready for when the house hunt begins. You can find out how much you could borrow by visiting our mortgage calculator.
The quickest way to speak to a mortgage advisor who can potentially help you get on or move up the property ladder, or remortgage, is to Book an Appointment.
A mortgage is a loan, secured on a property, that is repaid with a predetermined set of payments over an agreed period of time.
The amount you could borrow will depend on your income, outgoings, property value, and how much you have available each month to pay back.
When looking to buy a property and take a mortgage out, you’ll need a deposit to put down. The minimum deposit needed can potentially be as low as 5% of the property’s value (dependent on the property you are buying and where you are looking to purchase).
To find out how much you can borrow and how much deposit you are going to need, you can make an appointment with one of our expert mortgage advisors who will be more than happy to guide you through the process.
If you're an existing borrower with The Cumberland and you wish to move home, we can look at ‘porting’ over your existing mortgage to your new home. Porting is subject to terms and conditions mentioned in your original mortgage offer. Our mortgage advisors can give you more information regarding porting your existing mortgage, and you can book an appointment here to discuss it further.