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Bathroom designer Jemima is looking forward to putting her skills to use for herself now she finally owns a home. Whether you're a first time buyer or an established homeowner, a 5% deposit mortgage could help you move sooner rather than later. We are now offering residential mortgages up to 95% loan to value (LTV) in our operating area and up to 90% throughout the rest of the UK (75% in London & SE England).

We offer specialist holiday let mortgages throughout mainland UK and selected islands, offering mortgages up to 75% LTV. We also provide hospitality business mortgages for hotels, guest houses and bed & breakfasts. The Cumberland has announced its lowest ever mortgage rates, offering Cumbrians the chance to make significant savings.
Highlights

read more › Whether you're a first time buyer or an established homeowner, a 5% deposit mortgage could help you move sooner rather than later. We are now offering residential mortgages up to 95% loan to value (LTV) in our operating area and up to 90% throughout the rest of the UK (75% in London & SE England). Answer a couple of questions to get an initial indication of whether we might be able to help you or not. 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 request a call back.

read more › Let us do the legwork. Our team of expert underwriters will look at your specific circumstances and go out of their way to find the right remortgage deal for you. Cumberland remortgage deals offer free standard legal fees if you use a solicitor we've nominated, and a free standard valuation. 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 request a call back. Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.26% for the first 2 years, followed by our SVR until the end of the mortgage.

read more › The Cumberland is a building society based in Cumbria, with our branch operating area covering Cumbria, South West Scotland, West Northumberland and North Lancashire. Our Business team specialise in hospitality and commercial lending - ranging from holiday let mortgages to hotel and development finance. We put customers' interests first in everything we do, from providing a wide range of great products to improving service and value. Our aim is to make a positive difference to the lives of our customers, our communities and our people.

read more › So that we can continue to assist those who need our help the most, please only call us if it's urgent. View our help and support pages to find answers to your questions and remember you can use our Mobile app and Internet Banking for your everyday banking needs. Thanks for your patience and understanding. 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 request a call back. Our mortgage hub teams are ready and waiting to help, and will aim to get back to you within one working day.

read more › We have recently made some positive changes to our holiday let mortgage product range offered throughout the UK, including the introduction of a 60% LTV tier. When Richard and Debbie Greaves first set eyes on the run-down tenant farm near Ravenstonedale they did not see the ramshackle buildings that had led so many others to dismiss the property, but instead saw the potential to create a beautiful base for holidays between the Yorkshire Dales and Lake District. Our latest survey on the UK holiday market has revealed that 86% of holiday accommodation owners say they have invested in their business during the pandemic, with 94% saying they have made a long-lasting, positive change.

read more › We're preparing for the new norm with safe, smart working. With our people in mind we've introduced Brighter Working and are making changes to the way we work, including providing arrangements to allow many of our Head Office colleagues to work from anywhere and adapting our branches to keep everyone safe and motivated. Our strategy is driven by our vision to make banking brighter; in order to do this we must start with our people and how they contribute to our journey. We've launched a Brighter Performance process which allows everyone to own their own performance and development, with a focus on transparency, fairness and consistency.

read more › With 95% mortgages now available, 1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think. Of course, making an offer on your first home can still be stressful. But with our range of first time buyer mortgages, expert knowledge, and friendly advisors, you'll have all the support you need to get things moving, your way. 5% deposit mortgages are back for first-time buyers. Also known as 95% LTV mortgages, you can even get 1,000 cashback with our 5-year fixed rate mortgage.

read more › Getting a mortgage when you're self employed can be difficult, but we aim to make it as easy as possible. The introduction of tighter lending rules a few years ago has made it more difficult for self-employed people to get a mortgage. You may have already discovered that some lenders now have tough criteria that you need to meet before they'll consider your mortgage application. However, we want to help business people secure the mortgages they need. We know that every business is unique, which is why we don't have a one-size-fits-all approach to mortgage lending.

read more › We support the Government's Help to Buy: Equity Loan scheme which aims to help both first time buyers and home movers buy a new build home. If you're looking for a more affordable way to buy your home, then the government's Help to Buy schemes could benefit you. With a Help to Buy equity loan, you can add to your deposit on a new-build property, whether you're a first-time buyer or buying a new home. 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 request a call back.

read more › Make your holiday let dream a reality with our top tips, industry insights and real life stories. Our mortgage decisions are made by real people, not computers. We consider cases that many other lenders don't, including multiple letting units on one title, properties across split titles, limited companies and more. At The Cumberland, we're committed to working with you to ensure you get the right mortgage to suit your individual circumstances, which is why we're pleased to offer range of standard and non-standard mortgage products.

read more › If your existing Cumberland mortgage is coming to an end or you want to switch to a different one, choose from our award-winning range. If you have a mortgage with us which is coming to the end of its initial deal period, you may be able to switch to a new one. Changing to a new mortgage deal may help keep your monthly payments lower. It's also an opportunity to consider whether you want to release some funds to spend on improving your home. Our mortgage selector can help you find the best mortgage deal for you, or you can call into any of our branches and speak to one of our mortgage advisers.

read more › You can book a telephone appointment with one of our advisors. Unfortunately we are unable to accept face-to-face appointments in branch at this time, however you can book a call online. Examples of when changes may happen include a change in the Bank of England base rate, or market condition changes such as, general interest rates changes on similar accounts offered by other savings account providers. For further details, please read clause 8.7-8.9 in our Savings & Current Account Terms & Conditions leaflet.

read more › Please call your local branch to book an appointment. Unfortunately we are unable to accept face-to-face appointments at this time, however you can book a call to discuss your savings options. Unless you have an account with us already, we will need you to provide proof of your identity and evidence of your address. If you do not have any of the above, please contact us before you visit for details of alternative documentation. We may also verify your identity and address by making searches about you at credit reference agencies who supply us information, including information from the Electoral Roll.

read more › We will then help you switch to another one of our accounts or we will give you all of your money back with any interest you have earned. The interest we pay to you in these circumstances may be calculated at the rate advised at the time for our Instant Savings account. If your account has been overdrawn you may be required to repay any debit interest owed before the account can be closed. We will however ignore any notice period and any extra charges. If you do not exercise your right to cancel during this period, you will be bound by the account's terms and conditions.

read more › Apply for a current account online now. It only takes 5 minutes. Please note, we can only consider applications for overdrafts once your current account has been open for 6 months. Download our mobile banking app and manage your accounts quickly and easily, wherever you are. View your balances and transactions, view statements, transfer money between your accounts, make payments, manage your balance text alerts. Safely and securely. We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way.

read more › Why do I need the Freedom Apprentice Account and how is it different from the other options? Banking with the Freedom Apprentice Account is simple and easy, because it offers all of the digital tools you need as well dedicated human support. If you're looking to save up for a new car, your first house, or to travel somewhere special, Freedom gives you access to a preferential savings rate. Don't settle for a kid's bank account, choose the right one for your new career and your next adventure. Our full range of internet banking services are available on computers, tablets and smartphones.

read more › We'll take care of switching your Current Account from your existing bank or building society. With our Mobile Banking app you can manage your accounts quickly and easily, wherever you are. We support the UK's leading online accounting software, Xero, so you can run your business with ease. A Direct Debit is where you permit someone else (recipient) to instruct us to transfer money from your account to that recipient. We then transfer money to the recipient on a date or dates agreed by you and the recipient.

read more › Fees may also apply for additional services linked to each account, details of which are shown in the Additional Charges for Account Services document. Your eligible deposits with Cumberland Building Society are protected up to a total of 85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

read more › If you're an existing Cumberland current account customer who would like to register for Internet Banking, please download our registration form which you can return to us via email or post. You can also use our webchat facility to chat online to our Customer Care team or call 01228 403 141 for help registering for Internet Banking. You can find your original User Name (also referred to as your Customer Number) in the welcome email or letter which was sent to you when you opened your current account or registered for Internet Banking.

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