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  4. Mortgage Calculator

Find your mortgage deal

Use our mortgage calculator to see the options we have for you and how much your monthly repayment could be.

Alternatively, see all our mortgage rates

Calculate your monthly repayments

I already have a mortgage with the Co-operative Bank or Britannia

We'll take care of you

We offer preferential rates on some of our mortgages for loyal customers and provide help and support along the way.

I want to

My Loan-to-Value is

Important Information

  • The information provided is for illustrative purposes only. This calculator will only give you an estimate of costs for the mortgage that you are interested in, and does not form an offer.

    You need to obtain a Key Facts Illustration before making any decision.

    The calculator gives an estimate of your monthly repayments and rates based on a capital & interest repayment method. If you have an interest only mortgage please call our friendly mortgage advisers to discuss your options

    Supporting product information whether you are a first time buyer or you have an existing 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, valuation, affordability and eligibility.

If you're looking to move to a new home, or borrow more against your existing home, please give us a call

08000 288 288

Monday - Friday 8am - 8pm

Saturday 9am -1pm

Calls may be monitored and/or recorded for security and training purposes. (Call charges)

Find your mortgage

See how much you could borrow

calculator

Our quick tool lets you see the maximum we could lend you.

Go to the affordability calculator

We have mortgage deals at Loan-to-Value

Refine your options

By product type
By initial period

What does fixed and variable mean?

Click here to see a Representative Example

2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.84%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.44%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.34%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.89%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.49%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.39%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.89%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.49%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.39%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.99%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.59%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.49%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

2.04%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.64%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.54%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

2.44%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

2.04%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.94%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.09%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.74%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.64%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.14%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.79%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.69%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.14%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.79%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.69%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.34%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.04%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.94%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.49%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.09%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

1.99%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.64%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.39%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


3 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2021

2.29%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.19%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

1.99%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

1.84%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.24%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.04%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

1.89%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.24%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.04%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

1.89%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.44%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.19%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.09%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.54%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.29%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.19%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.99%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.79%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


5 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 28/02/2023

2.69%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


Lifetime Tracker

Illustrative monthly repayment

Bank of England base rate plus

2.49%

Giving a rate payable for the term of the mortgage, currently

2.99% variable

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


Lifetime Tracker

Illustrative monthly repayment

Bank of England base rate plus

2.64%

Giving a rate payable for the term of the mortgage, currently

3.14% variable

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


Lifetime Tracker

Illustrative monthly repayment

Bank of England base rate plus

2.79%

Giving a rate payable for the term of the mortgage, currently

3.29% variable

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.79%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.44%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£999

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.29%

followed by our Standard Variable Rate, currently at

4.74%

Product fee

£1499

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply


2 Year Fixed Rate

Illustrative monthly repayment

Initial rate fixed until 29/02/2020

1.89%

followed by our Standard Variable Rate, currently at

4.74%

tickOverpayments available

tick£250 cashback if you've had a current account with us for 3 months or more. Terms and conditions apply