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

Special Situations Range

We understand that not all mortgage applicants fit into ‘standard’ lending rules and requirements. Our experience of working closely with our borrowers and considering their individual circumstances, has identified the need for, and led to, the creation of our Special Situations range


This range has specifically been created to assist those with the following mortgage needs:

  • Recently self-employed
  • Late payments
  • Defaults
  • County Court Judgements (CCJs)
  • Individual Voluntary Arrangements (IVAs)
  • Previous mortgage arrears
  • Bankruptcy
  • Debt management plans
  • Repossession
  • As circumstances can vary widely, the range consists of three products, Light, Medium and High. Each of these products comes with its own lending criteria, so it’s worth finding out more, to see which category might best suit your situation.

    Applications for the Special Situations products are acceptable on a fully advised basis either directly through the Society, via our subsidiary company, Cumbria Mortgage Centre Ltd or through one of our panel appointed mortgage intermediaries.

    Whether you are looking to move your mortgage from your current provider and borrow a little more to update your home or take out a new mortgage to purchase that dream home, speak with us to see if we can assist.

    If you would like more information, visit our website, speak with your mortgage intermediary or call and book an appointment to talk to one of our advisors.

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