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Additional borrowing rates

The Co-operative Bank provides mortgages through Britannia, part of the Co-operative Bank. Our range of mortgages include fixed rates and tracker rates.

With a fixed rate mortgage your payments are fixed for the duration of the fixed term. With a tracker rate mortgage your payments track the Bank of England base rate so can go up as well as go down.

Use our table below to see our current product range. Early repayment charges may apply.

For further information, call us on 0333 331 5160

Preferential rates

You don't need to be a new customer to get a better deal. We've got preferential rates for our existing mortgage customers on a selection of our mortgages.

Questions about your mortgage?

Get advice from our friendly mortgage advisers.

Call us to talk to an advisor

Call us on 0333 331 5160

Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or recorded for security and training purposes.

Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or recorded for security and training purposes.

2 Year Fixed Rate

Initial rate

1.74%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.84%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.99%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

2.09%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

2.14%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.99%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.24%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.34%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.49%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.64%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.2% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.34%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.5% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.49%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.64%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.79%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.79%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.94%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.04%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.34%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

1.99%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.5% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.14%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.7% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.29%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.44%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.59%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.19%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.29%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.39%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.4% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.49%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.54%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.64%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.79%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.89%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.04%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

1.89%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.04%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.34%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.49%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

Lifetime Tracker

Bank of England base rate plus

2.49%

Current rate

2.74% variable

for the life of the mortgage

Overall cost for comparison

3.2% APRC

What does overall cost for comparison mean?

Lifetime Tracker

Bank of England base rate plus

2.64%

Current rate

2.89% variable

for the life of the mortgage

Overall cost for comparison

3.2% APRC

What does overall cost for comparison mean?

Lifetime Tracker

Bank of England base rate plus

2.79%

Current rate

3.04% variable

for the life of the mortgage

Overall cost for comparison

3.4% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.34%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.44%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.59%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.69%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.74%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

Representative example

A mortgage of £25,000 payable over 27 years & 7 months initially on a fixed rate for 5 years at 2.24% and then on our current variable rate of 4.49% variable for the remaining 22 years & 7 months would require 60 monthly payments of £101.32 and 271 monthly payments of £126.58. The total amount payable would be £40,416 made up of the loan amount plus interest £15,416, and a product fee of £0.

The overall cost for comparison is 3.7% APRC representative.

Got questions?

See if our FAQs can give you the answer.

Your home may be repossessed if you do not keep up with repayments on your mortgage

The Co-operative Bank reserves the right to change or withdraw any of its mortgage deals at any time. All loans are subject to status and valuation.

Contact us

If you'd like more help & information, you can:

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