To help things go as smoothly as possible we offer a range of simple and flexible mortgage options.
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If your existing mortgage is all or part on Interest only, find out Tracker rate
- 25% deposit option available
- They track the Bank of England Base Rate so you simply pay less when the rate goes down and more when it goes up
Current Account Exclusive Lifetime Tracker
- 3.49% Variable - Bank of England Base Rate + 2.99%
- Overall cost for comparison
3.6% APR - No application fee
- Early repayment charges apply
- No application fee
- 75% Loan to Value
- Additional criteria apply, see below
Product may be withdrawn at any time.
Fixed rate
- Up to 10% deposit options now available
- You'll be able to budget more easily knowing that your monthly repayments will not change during the fixed rate period
Current Account Exclusive 2 Year Fixed
- 2.99% fixed until 31/08/2015
- Reverts to SVR currently 4.74%
- Overall cost for comparison 4.6% APR
- Early repayment charges apply until 31/08/2015
- No application fee
- 75% Loan to Value
- Additional criteria apply, see below
Product may be withdrawn at any time.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Existing customers
If your current mortgage is with us, we can offer you a range of great deals with both Tracker rate and Fixed rate options. We also offer additional borrowing options, helping you find exactly what you're looking for.
Additional criteria for the Current Account exclusive mortgage deals
- Mortgage offer available to smile current account, smilemore account, standard current account, current account plus, privilege and privilege premier current account holders only.
- All current account customers must have completed The Co-operative Bank switching service or have paid in at least two consecutive months mandated salary into their Co-operative account to qualify.
- Mortgage must be paid via direct debit from a Co-operative Bank or smile account.
- Please note that if the customer has not switched or mandated two monthly mandated salary payments into the qualifying current account on the completion day, funds will not be released to the customer.
- We reserve the right to switch customer to SVR if salary is no longer mandated via a
Co-operative Bank or smile account.
Repaying your Interest only mortgage
For further information on repaying your mortgage, please see the Money Advice Service website
Need help?
Standard features
- Flexible features
- Underpayments
- Overpayments
- Payment holidays
Terms and conditions apply
- Free standard legal and basic valuations for remortgage if you use our recommended solicitors and surveyors
