"Making a smooth transaction for people is always my priority, I like to really make a difference and this role gives me that opportunity."

Jessica Hartley, Mortgage and Protection Advisor
Meet Jessica
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.

Next steps

See how much you could borrow

Try our handy mortgage calculator now. You can compare monthly payments too.

Mortgage Calculator
Book an appointment

Our mortgage advisors will be here for you every step of the way. Book your telephone or branch appointment today.

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Remortgage FAQs

  • Do you offer mortgages throughout Great Britain?

    Yes, we are now accepting mortgage applications for residential purchase and remortgages to up to 90% loan to value (LTV) throughout Great Britain, with up to 75% in London & SE England.

  • Why remortgage?

    There are a number of reasons why you should consider remortgaging.

    Save money on your mortgage payments

    If you’re paying your lender’s standard mortgage rate (SVR) and you’ve still got a few years left on your mortgage you could save money by reducing your monthly payments.

    Get a better deal

    If it’s been a few years since you took your mortgage out, it’s possible your property has increased in value while you’ve been paying your mortgage off. If you have a small mortgage and a property that’s worth a little more you may be able to get a better mortgage deal.

    If you know roughly what your property is worth, have a look at our mortgage calculator to see what deals are available to you. If you’re not sure, give us a call on 01228 403141.

    Borrow more

    If you have some equity in your property, i.e. your mortgage is less than 90% of the value of your property, you may be able to release some of the money tied up in your property. Find out what your monthly payments may be with our mortgage calculator, or give us a call on 01228 403141.

  • What does it cost?

    If you are looking to save money on your mortgage, you could do so by switching your mortgage to the Cumberland.

    Switching your mortgage is simple, we’ll cut out as much of the hassle as possible. Our remortgage deals offer free standard legal fees if you use a solicitor we’ve nominated, and a free standard valuation* Depending on the product selection you might need to pay an arrangement fee and you’ll need to pay a £20 funds release fee.

    Applies to remortgage products up to 90% loan to value (LTV(75% in London & SE England)).

    *Excludes customers where borrowing amount is greater than £750k and all Buy to Let remortgage products. T&C’s apply.

  • How do I book an appointment?

    The quickest way to speak to a mortgage specialist that can help you get on or move up the property ladder, or remortgage is to Book an Appointment.

    Our mortgage hub teams are ready and waiting to help, and will aim to get back to you within one working day.

£100 cashback terms and conditions

New customers: Your Cumberland current account must be funded with a minimum of £750 per month. Your application for a Cumberland current account must commence prior to your mortgage completing, and the £100 will be credited to your Cumberland current account shortly after the completion of your mortgage and the current account switching process. Payable once per current account. Maximum one eligible current account per mortgage application. Existing customers: Your Cumberland current account must be funded with a minimum of £750 per month for the 3 successive months prior to your application.