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
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.
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.
Information or documents you'll need to apply
When you apply for a mortgage, we’ll need some things from you, such as:
- Details of your names and addresses for the last 3 years
- Details of your current income
- Details about the property
Protect Your Home with
The Co-operative Bank acts as an introducer to Co-op Insurance. By choosing to find out more, you will be redirected to Co-op Insurance, an external group to The Co-operative Bank.
Co-op Insurance will provide The Co-operative Bank with information about the type of policy you have purchased. We will use this information to reconcile our accounts and to ensure any future marketing communications we may send you (subject to your consent) are relevant.
Co-op Insurance is a trading name of CIS General Insurance Limited; registered in England and Wales with registration number 29999R. Registered office: CIS Building, Miller Street, Manchester M60 0AL. CIS General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under register number 435022.
Protect Your Mortgage with Legal & General Mortgage Life Insurance
Also known as life assurance or life cover, life insurance helps you ease the financial strain on your family if you were to die during the policy term. Life insurance could help your family to pay the mortgage, or household bills, and other costs like childcare. You can choose life insurance where the amount of cover stays the same, or decreases in line with the way a repayment mortgage reduces.
Call the Legal & General Support Team: 0800 072 4334
They’re available 9am to 5pm - Mon to Fri and 9am to 1pm on Saturdays (Closed on Bank Holidays)
Calls to 0800 numbers are free from landlines and mobiles.
The Co-operative Bank acts as an introducer to Legal & General. By choosing to find out more, you will be redirected to Legal & General, an external group to The Co-operative Bank.
Legal & General will provide The Co-operative Bank with information about the type of plan you have purchased. We will use this information to reconcile our accounts and to ensure any future marketing communications we may send you (subject to your consent) are relevant.
Legal & General is a trading name of Legal & General Assurance Society Limited, Company registered number 166055; registered in England and Wales with registration number 117659. Registered office: One Coleman Street, London, EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
See if our FAQs can give you the answer.
General information for regulated mortgagesDownload General information for regulated mortgages PDF (210KB)
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.