The Cumberland

Tagline Brand's website · 2026-11-07

The Cumberland is a customer-owned building society providing personal and business banking, mortgages, savings, current accounts, commercial finance, motor finance and home insurance.

Description Brand's website · 2026-11-07

The Cumberland Building Society is a purpose-led, financially strong and socially responsible building society. It is owned by its customers rather than shareholders, operates branches across Cumbria, Lancashire, Northumberland and southwest Scotland, and reinvests its profits into the business and its communities.

Mission Brand's website · 2026-11-07

To create a banking experience that is kinder to people and planet, while supporting customers, people, communities and the environment.

Founders & leadership Brand's website · 2026-11-07

Stuart Miller, CEO. The website also identifies Des Moore as Chief Executive in a 2025 awards article.

Website Brand's website · 2026-11-07

https://cumberland.co.uk

Voice & tone Brand's website · 2026-11-07

Kind, customer-led, straightforward, responsible, forward-thinking and community-focused.

Founded Brand's website · 2026-11-07

Celebrated its 175th anniversary in 2025.

Parent ownership Brand's website · 2026-11-07

Owned by its customers rather than shareholders. Borderway Finance Ltd is identified as a subsidiary.

Problem solved Brand's website · 2026-11-07

Helps individuals and businesses manage money, save, borrow for property, operate bank accounts, obtain insurance and access vehicle finance, with support through branches, telephone and digital banking.

Core capabilities Brand's website · 2026-11-07

• Residential mortgage lending
• Savings and tax-free ISA accounts
• Personal and business current accounts
• Business banking and savings
• Commercial mortgages for sectors including hospitality, healthcare, professional services, food and drink
• Intermediary mortgage services
• Motor finance through Borderway Finance
• Home insurance provided by Uinsure

Products / SKUs Brand's website · 2026-11-07

• Mortgages
• Savings accounts
• Tax-free ISAs
• Current accounts
• Business banking
• Business savings
• Commercial mortgages
• Intermediary residential, buy-to-let, holiday-let and commercial mortgages

Target industry Brand's website · 2026-11-07

Banking and financial services

Customer base Brand's website · 2026-11-07

Customers across Cumbria, Lancashire, Northumberland and southwest Scotland, including personal banking customers, homeowners, savers, businesses and mortgage intermediaries.

Ideal customer profile Brand's website · 2026-11-07

Individuals and families seeking mortgages, savings or current accounts; first-time buyers, homemovers, remortgagors, self-employed borrowers, customers planning retirement, landlords and holiday-let owners; businesses in sectors such as hospitality, healthcare, professional services, and food and drink; and mortgage intermediaries.

Use cases Brand's website · 2026-11-07

• Buying a first home
• Moving home or remortgaging
• Borrowing into retirement or as a self-employed applicant
• Saving for short- or long-term goals
• Opening and managing personal or business current accounts
• Using digital banking, mobile payments and open banking
• Financing buy-to-let, holiday-let and hospitality properties
• Accessing business banking and savings

Customer outcomes Brand's website · 2026-11-07

• Access to mortgage finance for homes and property businesses
• Ability to save through a range of personal and business accounts
• Convenient management of money through branches, telephone and digital banking
• Access to personal and business financial products from a customer-owned institution
• Support for local communities through reinvestment of profits and community initiatives
• Customer service recognised with Feefo’s Platinum Trusted Service Award