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Early repayment charges

If you repay your mortgage in full or part by capital repayment, or transfer to another product within the periods shown, the following early repayment charge will apply. This will be calculated as a percentage of the amount that you repay early.

You may be able to overpay by up to 10% of your mortgage balance per calendar year without penalty. This will be clearly stated in your specific mortgage terms and conditions.

2 Year Fixed Rate

The following early repayment charges apply during the following dates.

2 Year Fixed Rate

Dates during which the Mortgage is repaid early Early repayment charge
Up to 30 November 2018 2%
1 December 2018 - 30 November 2019 1%
After 30 November 2019 No early repayment charge applicable

3 Year Fixed Rate

The following early repayment charges apply during the following dates.

3 Year Fixed Rate

Dates during which the Mortgage is repaid early Early repayment charge
Up to 30 November 2018 3%
1 December 2018 - 30 November 2019 2%
1 December 2019 - 30 November 2020 1%
After 30 November 2020 No early repayment charge applicable

5 Year Fixed Rate

The following early repayment charges apply during the following dates.

5 Year Fixed Rate

Dates during which the Mortgage is repaid early Early repayment charge
Up to 30 November 2018 5%
1 December 2018 - 30 November 2019 4%
1 December 2019 - 30 November 2020 3%
1 December 2020 - 30 November 2021 2%
1 December 2021 - 30 November 2022 1%
After 30 November 2022 No early repayment charge applicable

Lifetime Tracker

Early repayment charges do not apply to our Lifetime Tracker mortgages, so you can overpay with no restrictions.

Lifetime Tracker

Dates during which the Mortgage is repaid early Early repayment charge
Lifetime of mortgage No early repayment charges

Questions about your mortgage?

Get advice from our friendly mortgage advisers.


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.