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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

Questions about your mortgage?

Get advice from our friendly mortgage advisers.

Call us to talk to an advisor

Call us on 0330 3333 908

Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or recorded for security and training purposes.

Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls may be monitored or recorded for security and training purposes.

2 Year Fixed Rate

Initial rate

1.44%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.54%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.59%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.69%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.74%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

2.14%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.89%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.99%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.99%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

2.09%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

2.14%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

2.54%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.3% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.24%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.34%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.39%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.49%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.54%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

2 Year Fixed Rate

Initial rate

1.94%
Fixed until 31/01/2019

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.79%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.94%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.04%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.34%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.79%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.14%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.29%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.34%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.49%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.64%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

3.09%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.64%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.79%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

1.89%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.04%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.0% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

3 Year Fixed Rate

Initial rate

2.64%
Fixed until 31/01/2020

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.2% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.09%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.4% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.29%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.44%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.59%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

3.04%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.29%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.4% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.39%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.49%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.64%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.8% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.79%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.9% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

3.24%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

4.1% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

1.99%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.4% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.09%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?

5 Year Fixed Rate

Initial rate

2.19%
Fixed until 31/01/2022

Followed by rate

4.49%

This is our Standard Variable Rate at present

Overall cost for comparison

3.6% APRC

What does overall cost for comparison mean?