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New mortgage rates

The Co-operative Bank provides mortgages through Britannia – a trading name 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 are current product range. Early repayment charges may apply.

For further information, call us on 0800 234 6761

How to apply

Mortgage Max Loan to Value Initial rate Followed by rate Overall cost for comparison Setup fee
2 Year Fixed
Fixed until 31/12/2016
60% 1.54% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.3% APR £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.54% fixed until 31/12/2016 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% APR.

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 31/12/2016
70% 1.94% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.4% APR £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.94% fixed until 31/12/2016 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% APR.

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 31/12/2016
75% 1.99% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.4% APR £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 1.99% fixed until 31/12/2016 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% APR.

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 31/12/2016
80% 2.34% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.5% APR £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 2.34% fixed until 31/12/2016 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% APR.

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 31/12/2016
85% 2.64% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.5% APR £999 (including a £150 booking fee)

2 Year Fixed Rate

A rate of 2.64% fixed until 31/12/2016 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% APR.

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 31/12/2016
60% 2.19% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.4% APR £0

2 Year Fixed Rate

A rate of 2.19% fixed until 31/12/2016 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone. Book an appointment at your nearest branch

2 Year Fixed
Fixed until 31/12/2016
70% 2.44% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.4% APR £0

2 Year Fixed Rate

A rate of 2.44% fixed until 31/12/2016 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/12/2016
75% 2.49% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.4% APR £0

2 Year Fixed Rate

A rate of 2.49% fixed until 31/12/2016 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/12/2016
80% 2.84% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.5% APR £0

2 Year Fixed Rate

A rate of 2.84% fixed until 31/12/2016 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/12/2016
85% 3.14% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.6% APR £0

2 Year Fixed Rate

A rate of 3.14% fixed until 31/12/2016 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 4.6% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

2 Year Fixed
Fixed until 31/12/2016
90% 3.79% fixed until 31/12/2016 Our Standard Variable Rate currently 4.74% 4.7% APR £0

2 Year Fixed Rate

A rate of 3.79% fixed until 31/12/2016 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 4.7% APR.

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:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/12/2017
60% 2.44% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.3% APR £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.44% fixed until 31/12/2017 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% APR.

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 31/12/2017
70% 2.59% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.3% APR £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.59% fixed until 31/12/2017 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% APR.

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 31/12/2017
75% 2.64% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.3% APR £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.64% fixed until 31/12/2017 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% APR.

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 31/12/2017
80% 2.99% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.4% APR £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 2.99% fixed until 31/12/2017 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% APR.

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 31/12/2017
85% 3.29% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.5% APR £999 (including a £150 booking fee)

3 Year Fixed Rate

A rate of 3.29% fixed until 31/12/2017 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% APR.

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 31/12/2017
60% 2.79% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.3% APR £0

3 Year Fixed Rate

A rate of 2.79% fixed until 31/12/2017 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/12/2017
70% 2.94% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.4% APR £0

3 Year Fixed Rate

A rate of 2.94% fixed until 31/12/2017 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/12/2017
75% 3.19% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.4% APR £0

3 Year Fixed Rate

A rate of 3.19% fixed until 31/12/2017 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/12/2017
80% 3.54% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.5% APR £0

3 Year Fixed Rate

A rate of 3.54% fixed until 31/12/2017 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/12/2017
85% 3.94% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.7% APR £0

3 Year Fixed Rate

A rate of 3.94% fixed until 31/12/2017 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 4.7% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

3 Year Fixed
Fixed until 31/12/2017
90% 4.09% fixed until 31/12/2017 Our Standard Variable Rate currently 4.74% 4.7% APR £0

3 Year Fixed Rate

A rate of 4.09% fixed until 31/12/2017 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 4.7% APR.

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 31/12/2017
    See early repayment charges
  • Valuation and solicitors' costs will apply
  • This product is available for House Purchase Only

How to apply: Available in branch and by phone

3Eligibility: Additional lending criteria for new mortgages above 85% LTV apply, please ensure you read this

5 Year Fixed
Fixed until 31/12/2019
60% 2.94% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.2% APR £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 2.94% fixed until 31/12/2019 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% APR.

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 31/12/2019
70% 3.04% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.2% APR £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 3.04% fixed until 31/12/2019 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% APR.

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 31/12/2019
75% 3.19% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.3% APR £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 3.19% fixed until 31/12/2019 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% APR.

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 31/12/2019
80% 3.44% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.4% APR £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 3.44% fixed until 31/12/2019 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% APR.

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 31/12/2019
85% 3.74% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.5% APR £999 (including a £150 booking fee)

5 Year Fixed Rate

A rate of 3.74% fixed until 31/12/2019 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% APR.

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 31/12/2019
60% 3.29% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.3% APR £0

5 Year Fixed Rate

A rate of 3.29% fixed until 31/12/2019 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch only. Book an appointment at your nearest branch

5 Year Fixed
Fixed until 31/12/2019
70% 3.39% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.3% APR £0

5 Year Fixed Rate

A rate of 3.39% fixed until 31/12/2019 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/12/2019
75% 3.49% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.3% APR £0

5 Year Fixed Rate

A rate of 3.49% fixed until 31/12/2019 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/12/2019
80% 3.89% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.5% APR £0

5 Year Fixed Rate

A rate of 3.89% fixed until 31/12/2019 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% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/12/2019
85% 4.29% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.7% APR £0

5 Year Fixed Rate

A rate of 4.29% fixed until 31/12/2019 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 4.7% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

How to apply: Available in branch and by phone

5 Year Fixed
Fixed until 31/12/2019
90% 4.49% fixed until 31/12/2019 Our Standard Variable Rate currently 4.74% 4.8% APR £0

5 Year Fixed Rate

A rate of 4.49% fixed until 31/12/2019 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 4.8% APR.

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 31/12/2019
    See early repayment charges
  • Valuation and solicitors' costs will apply
  • This product is available for House Purchase Only

How to apply: Available in branch and by phone

10 Year Fixed
Fixed until 31/12/2024
75% 4.89% fixed until 31/12/2024 Our Standard Variable Rate currently 4.74% 5.0% APR £999 (including a £150 booking fee)

10 Year Fixed Rate

A rate of 4.89% fixed until 31/12/2024 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 5.0% APR.

Minimum loan amount £25,000

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

How to apply: Available in branch and by phone

10 Year Fixed
Fixed until 31/12/2024
75% 5.39% fixed until 31/12/2024 Our Standard Variable Rate currently 4.74% 5.4% APR £0

10 Year Fixed Rate

A rate of 5.39% fixed until 31/12/2024 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 5.4% APR.

Minimum loan amount £25,000

Fees: £0 Charges and extras:

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 3.1% APR £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 3.1% APR.

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% APR £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% APR.

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 3.4% APR £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 3.4% APR.

Minimum loan amount £25,000

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

How to apply: Available in branch and by phone

Lines open 9am – 6pm Monday – Friday and 9am – 1pm Saturdays. Calls may be monitored and/or recorded for security and training purposes. Calls to 0800 numbers are free from landlines. Calls from mobiles may vary and you may want to check this with your service provider.

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