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To help things go as smoothly as possible we offer a range of simple and flexible mortgage options.

Fixed rate

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

  • 2.04% fixed until 30/04/2016
  • Reverts to SVR currently 4.74%
  • Overall cost for comparison 4.4% APR
  • Early repayment charges apply until 30/04/2016
  • £899 application fee (including £150 booking fee
  • 75% Loan to Value
  • Additional criteria apply.

Product may be withdrawn at any time.

Tracker rate

Mortgage payments that change along with the Bank of England Base Rate.                                 

Lifetime Tracker

  • 2.79% Variable - Bank of England Base Rate + 2.29%
  • Overall cost for comparison
    2.9% APR
  • No Early repayment charges
  • £999 application fee
  • 60% Loan to Value



Product may be withdrawn at any time.


Existing customers

If your current mortgage is with us, we can offer you a range of great deals with 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

The current account mortgage product is exclusively available to customers who prior to application have;

(i) held their qualifying current account for a minimum of three months and

(ii) completed the current account switching process or have paid two consecutive months mandated salary into a qualifying Co-operative Bank current account. 

A qualifying current account includes the Co-operative Bank’s standard current account, current account plus, privilege current account, privilege premier current account, smile current account, smile more current account or any other account that the Bank may identify as a qualifying account in the future.   

The mortgage must be paid via Direct Debit from your qualifying current account and the salary mandate must be maintained throughout the mortgage term.

Standard features

Terms and conditions apply

  • Free standard legal and basic valuations for remortgage if you use our recommended solicitors and surveyors