Mortgages we offer
Find a mortgage that suits you from our range
We offer repayment mortgages (fixed and variable), so you can pick the best option for your budget and lifestyle. We suggest you check what we don’t offer before applying.
Fixed rate mortgages
A fixed rate mortgage means that your interest rate will stay the same for a set period of time, as agreed by you and your lender.
If you want to exit a fixed deal early, you might need to pay an early repayment charge. The amount you’ll pay depends on the fixed rate mortgage you choose.
Variable rate mortgages
A variable rate mortgage means you could pay different amounts depending on how the interest rate fluctuates at the time. This is usually set in-line with the Bank of England’s Base Rate.
There are a range of variable rate mortgages to choose from - like tracker and standard variable rate (SVR).
Bear in mind that not all variable rates are set in-line with the Bank of England's Base Rate. For example, an SVR mortgage is set by the Bank and doesn't directly link to the Base Rate.
This is a type of mortgage that requires you to repay a portion of interest and capital in each of your monthly repayments.
What we don't offer
We offer fixed rate, variable rate and repayment mortgages at The Co-operative Bank.
Check your eligibility
Get a mortgage in principle to see if you're eligible for a mortgage with us and to check how much you could borrow.
- There's no impact on your credit score.
- A mortgage in principle is not a commitment to lend. For that you'll need to go through a full application process.
Find your mortgage
Compare our rates and see which mortgage is right for you.
Your home may be repossessed if you do not keep up with repayments on your mortgage
See if our FAQs can give you the answer.
General information for regulated mortgagesDownload General information for regulated mortgages PDF (210KB)
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.