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First time buyer mortgages

The Co-operative Bank First time buyers

We say YES

9 out of 10 first time buyers who apply for a mortgage with us are accepted and sent a mortgage offer

Based on the average number of first time buyer applications that the Bank accepted from 1 June 2014 to 30 June 2015 after eligibility had been checked and a decision in principle provided.

How much can I borrow?

If you want to talk to us about a new mortgage, call us on 0330 134 7145

View our first time buyer mortgages

View our mortgages rates, then our friendly mortgage advisors will help you get your foot on the property ladder. All our mortgages are provided through Britannia, part of the Co-operative Bank.

View our rates

Why choose us?

  • £250 cashback for existing current account customers on new mortgage applications
  • Products available with no booking or application fee
  • A dedicated team who will process your application efficiently from start to finish

First time buyers guide

At the Co-operative Bank, we like to keep things simple and straightforward. This no jargon guide tells you everything you need to know about arranging your first mortgage.

Read the guide

Mortgage tools

Use our tools below to get an idea of how much you could borrow and your monthly repayments

Budget Planner

Budget Planner

Get an idea of your current financial position by entering your income and expediture to find out how much you have left at the end of the month.

Find out more
Mortgage payment calculator

Mortgage payment calculator

Use our calculator to find out how much your repayments will be based on different rates and terms.

Calculate
How much can I borrow calculator

How much can I borrow calculator

Use our affordability calculator to get an indication of how much we may be able to lend you.

How much can I borrow

What we need from you

In order to get your mortgage application moving as quickly as possible, you will need to provide us with some information. To make it easy for you, we have created a helpful guide of things you'll need to bring along.

Call us or pop into your local branch and speak to an advisor to arrange an appointment.

Who we'll lend to

How to apply

Make sure you’re protected

Your home

Something as important as your home is worth looking after. The Co–operative Home Insurance could give you all the cover you need. Clicking the button below will transfer you to The Co-operative Insurance website.

Find out more

Your mortgage

We offer mortgage protection provided by Friends Life Pensions Limited.

Find out more

Lines open 9am - 8pm Monday – Friday and 9am – 5pm on Saturday. Calls may be monitored and/or recorded for security and training purposes. Calls to 0800 numbers are free from landlines and mobiles.

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