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Mortgage rates for first time buyers

The Co-operative Bank provides mortgages through Britannia, part of the Co-operative Bank. Our range of mortgages include fixed rates and tracker rates.

With a fixed rate mortgage your payments are fixed for the duration of the fixed term. With a tracker rate mortgage your payments track the Bank of England base rate so can go up as well as go down.

Use our table below to see our current product range. Early repayment charges may apply.

For further information, call us on 0330 3333 908

How to apply

If you want to talk to us about a new mortgage, call us on 0330 3333 908
Mortgage Max Loan to Value Initial rate Followed by rate Overall cost for comparison Setup fee
2 Year Fixed
Fixed until 31/10/2018
60% 1.44% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.2% APRC £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.44% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
70% 1.54% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.2% APRC £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.54% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
75% 1.59% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.3% APRC £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.59% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
80% 1.69% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.3% APRC £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.69% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
85% 1.74% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.4% APRC £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.74% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.4% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
90% 2.19% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.5% APRC £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 2.19% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.5% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £999 (including a £150 booking fee) Charges and extras:
  • Early repayment charges apply until 31/10/2018
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
60% 1.99% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.2% APRC £0

2 Year Fixed Rate

A rate of 1.99% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
70% 2.04% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.3% APRC £0

2 Year Fixed Rate

A rate of 2.04% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
75% 2.14% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.3% APRC £0

2 Year Fixed Rate

A rate of 2.14% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
80% 2.19% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.4% APRC £0

2 Year Fixed Rate

A rate of 2.19% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.4% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
85% 2.24% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.4% APRC £0

2 Year Fixed Rate

A rate of 2.24% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.4% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
90% 2.69% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.5% APRC £0

2 Year Fixed Rate

A rate of 2.69% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.5% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £0 Charges and extras:
  • Early repayment charges apply until 31/10/2018
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
60% 1.24% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.2% APRC £1499 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.24% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
70% 1.34% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.2% APRC £1499 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.34% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
75% 1.39% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.3% APRC £1499 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.39% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
80% 1.49% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.3% APRC £1499 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.49% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
85% 1.54% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.4% APRC £1499 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.54% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.4% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/10/2018
90% 2.04% fixed until 31/10/2018 Our Standard Variable Rate currently 4.74% 4.5% APRC £1499 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 2.04% fixed until 31/10/2018 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.5% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £1499 (including a £150 booking fee) Charges and extras:
  • Early repayment charges apply until 31/10/2018
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
60% 1.99% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.0% APRC £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 1.99% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.0% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
70% 2.09% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.1% APRC £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.09% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
75% 2.14% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.1% APRC £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.14% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
80% 2.29% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.2% APRC £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.29% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
85% 2.39% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.3% APRC £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.39% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
90% 3.04% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.5% APRC £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 3.04% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.5% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £999 (including a £150 booking fee) Charges and extras:
  • Early repayment charges apply until 31/10/2019
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
60% 2.24% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.0% APRC £0

3 Year Fixed Rate

A rate of 2.24% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.0% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
70% 2.34% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.1% APRC £0

3 Year Fixed Rate

A rate of 2.34% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
75% 2.44% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.1% APRC £0

3 Year Fixed Rate

A rate of 2.44% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
80% 2.64% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.3% APRC £0

3 Year Fixed Rate

A rate of 2.64% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
85% 2.74% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.3% APRC £0

3 Year Fixed Rate

A rate of 2.74% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
90% 3.34% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.5% APRC £0

3 Year Fixed Rate

A rate of 3.34% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.5% APRC.

Minimum loan amount £25,000


Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £0 Charges and extras:
  • Early repayment charges apply until 31/10/2019
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
60% 1.74% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.0% APRC £1499 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 1.74% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.0% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
70% 1.89% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.1% APRC £1499 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 1.89% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
75% 1.94% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.1% APRC £1499 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 1.94% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
80% 2.04% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.2% APRC £1499 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.04% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.2% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
85% 2.19% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.3% APRC £1499 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.19% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/10/2019
90% 2.79% fixed until 31/10/2019 Our Standard Variable Rate currently 4.74% 4.4% APRC £1499 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.79% fixed until 31/10/2019 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.4% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £1499 (including a £150 booking fee) Charges and extras:
  • Early repayment charges apply until 31/10/2019
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
60% 2.19% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.6% APRC £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.19% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.6% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
70% 2.39% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.8% APRC £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.39% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.8% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
75% 2.44% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.8% APRC £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.44% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.8% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
80% 2.49% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.9% APRC £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.49% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.9% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
85% 2.64% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.0% APRC £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.64% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.0% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
90% 3.24% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.3% APRC £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 3.24% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £999 (including a £150 booking fee) Charges and extras:
  • Early repayment charges apply until 31/10/2021
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
60% 2.49% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.6% APRC £0

5 Year Fixed Rate

A rate of 2.49% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.6% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
70% 2.69% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.9% APRC £0

5 Year Fixed Rate

A rate of 2.69% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.9% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
75% 2.74% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.9% APRC £0

5 Year Fixed Rate

A rate of 2.74% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.9% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
80% 2.89% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.0% APRC £0

5 Year Fixed Rate

A rate of 2.89% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.0% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
85% 2.99% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.1% APRC £0

5 Year Fixed Rate

A rate of 2.99% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.1% APRC.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
90% 3.64% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.4% APRC £0

5 Year Fixed Rate

A rate of 3.64% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.4% APRC.

Minimum loan amount £25,000


Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £0 Charges and extras:
  • Early repayment charges apply until 31/10/2021
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
60% 2.09% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.6% APRC £1499 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.09% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.6% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
70% 2.29% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.8% APRC £1499 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.29% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.8% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
75% 2.34% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.8% APRC £1499 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.34% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.8% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
80% 2.39% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 3.9% APRC £1499 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.39% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 3.9% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
85% 2.54% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.0% APRC £1499 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.54% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.0% APRC.

Minimum loan amount £25,000

Fees: £1499 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/10/2021
90% 3.14% fixed until 31/10/2021 Our Standard Variable Rate currently 4.74% 4.3% APRC £1499 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 3.14% fixed until 31/10/2021 followed by our standard variable rate, currently 4.74% remaining on these variable terms for the remainder of the mortgage term.

The overall cost for comparison is 4.3% APRC.

Minimum loan amount £25,000

Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

Fees: £1499 (including a £150 booking fee) Charges and extras:
  • Early repayment charges apply until 31/10/2021
    See early repayment charges
  • Valuation and solicitor's costs will apply.
  • Not available for remortgages.

How to apply: Available in branch and by phone

Lifetime Tracker
(Bank of England Base Rate plus 2.49)
60% 2.99% Variable n/a 3.2% APRC £999 (including a £150 booking fee)

Lifetime Tracker

Bank of England Base Rate plus 2.49, currently 2.99% variable for the life of the mortgage.

The overall cost for comparison is 3.2% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

Lifetime Tracker
(Bank of England Base Rate plus 2.64)
70% 3.14% Variable n/a 3.3% APRC £999 (including a £150 booking fee)

Lifetime Tracker

Bank of England Base Rate plus 2.64, currently 3.14% variable for the life of the mortgage.

The overall cost for comparison is 3.3% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

Lifetime Tracker
(Bank of England Base Rate plus 2.79)
75% 3.29% Variable n/a 3.5% APRC £999 (including a £150 booking fee)

Lifetime Tracker

Bank of England Base Rate plus 2.79, currently 3.29% variable for the life of the mortgage.

The overall cost for comparison is 3.5% APRC.

Minimum loan amount £25,000

Fees: £999 (including a £150 booking fee) Charges and extras:

How to apply: Available in branch and by phone

Representative example:

A mortgage of £180,000 payable over 26 years & 5 months initially on a fixed rate for 2 years at 2.19% and then on our current variable rate of 4.74% variable for the remaining 24 years & 5 months would require 24 monthly payments of £751.86  and 293 monthly payments of £983.29.

The total amount payable would be £306,497 made up of the loan amount plus interest £126,497, a product fee of £999, and a valuation fee £165.

The overall cost for comparison is 4.4% APRC representative.

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