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Ex-Pat Buy to let, English Seaside street

Mortgages

Moving house, remortgaging or building your dream house? We help all types of people to purchase their homes, holidays lets and investment properties.

Why Choose Us?

At the Penrith, we’ve been lending people money to buy or build their homes since 1877. That’s why we know that life is not always as straightforward as completing a list of tick boxes, and unusual circumstances are just not that unusual for us.

Whether you are self-employed, or have complex income streams, our bespoke underwriting helps us to understand your situation and provide the right mortgage product for you.

From self builds to buy to lets, expat to holiday homes, remortgages to new builds, with over 140 years of experience of mortgage lending, we can work with your mortgage advisor to help get you moving. 

Our mortgage products

Family cuddling each other

Looking to move?

If you are looking for the right mortgage for your new home, we have a range of products that could help you. 

Couple smiling sitting on sofa

Looking to remortgage?

If you are looking to move your mortgage from your current provider, or want to raise capital on a property you own outright, we have a range of products that could help you. 

Couple talking on sofa

Wanting to purchase a Buy to Let property?

We can help you grow your property portfolio, whether you are an experienced landlord or just about to start your journey.  We also permit capital raising on a Buy to Let remortgage – meaning you can increase your borrowings to improve the property or even use the funds to purchase another investment property. 

British Expat Couple smiling, beach background

Looking for an Expat mortgage?

We have expertise in supporting expats with mortgages where you work and reside overseas but may wish to retain a family home in the UK, even if you are paid in a foreign currency. 

Couple walking in lake district in winter

Buying a holiday home?

Founded in the heart of the Lake District, we’ve been supporting our members to purchase holiday accommodation for decades.  Whether you are looking to remortgage a second home for your own use or acquire a property to use as a holiday let we may have a product for you!

lady smiling

Individual circumstances

These days, there is no such thing as normal, and whether you have multi-income streams, have complex financial arrangements or  have had a credit blip, we spend time getting to know your personal situation so we can explore how we can help.

Want to build or renovate your home?

We have years of expertise in helping our customers to build their dream project.  

Already with us? Speak to us about your existing mortgage

Our team is always on hand to speak to our members whether you have any queries, are looking to move house or want to explore your options as your product comes to an end.  We also offer preferential rates for existing customers who want to stay with us.

Get help with your existing Penrith mortgage

Contact us

Existing Penrith customer

Do you need mortgage advice?

At the present time, we are not offering advice on our mortgage products. 

If you would like to talk to an independent mortgage advisor about your mortgage options,  we have provided a list of mortgage brokers in the link below who are familiar with our mortgage products and others available in the market to help you find the right solution for your needs.

Find a Broker

Penrith Mortgage Broker talking to customers
Penrith Mortgage Broker talking to customers

Questions?

Any questions?  Visit our frequently asked questions (FAQ’s) to see answers to the the most commonly asked questions.

Visit our Support section

⚠️ WARNING: Mortgage advice is provided by Cumbria Mortgage Centre Limited, a subsidiary of Penrith Building Society. Cumbria Mortgage Centre Limited is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority. Cumbria Mortgage Centre Limited. Registered office: 7 King Street, Penrith, United Kingdom, CA11 7AR. Registered in England number 11653572.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Your eligible deposits held by a UK establishment of Penrith 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.

Further information is available here »»
(PDF Version)

Or visit www.fscs.org.uk.

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