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  4. Switching your mortgage deal

Borrowing more

Get our best rates as an existing mortgage customer.


  • Get preferential rates on some of our mortgages for being a Co‑operative Bank mortgage customer.
  • Some mortgages available with no product fee.
  • Dedicated case owning team to process your application efficiently.

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

Questions about your mortgage?

Get advice from our friendly mortgage advisers.

Call us to talk to an advisor

Call us on 0330 134 6599

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.

Your options

If you already have a mortgage with us and you're thinking of doing home improvements or you need a large sum for a big purchase, you could borrow more.

Lending restrictions may apply depending on what you're planning to use the money for.

Borrow more

In some cases, taking out a loan or credit card might be the best course of action. However, if your property's more valuable than your current mortgage, you could have the option to borrow additional money secured against your home.

It's worth keeping in mind that you can only borrow up to 85% of your property's value.

  • You need to think carefully before securing further borrowing against the value of your property, you may end up paying more interest in the long run.

Borrow more and switch your mortgage

If your current mortgage deal’s coming to an end, you could switch deal for a better rate and borrow additional money. Again, the total amount you can borrow can’t be any higher than 85% of your property’s total value.

If you'd prefer not to borrow against your property, you could also consider:

  • Taking out a personal loan
  • Applying for a credit card
  • Our dedicated team of mortgage advisers will help you assess your individual circumstances.

    Call us on 0800 322 655

    Calls may be monitored and/or recorded for security and training purposes. Calls to 0800 numbers are free from landlines and mobiles.


Find your mortgage

Use our mortgage calculator to find out how much you could borrow, and compare our rates.

See our rates

Or see how much you can borrow

Got questions?

See if our FAQs can give you the answer.


Important information

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Tariff of charges

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How we use your personal information

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Mortgages legal information

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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:

Chat to us via live chat

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