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Existing mortgage customers

Existing customer looking for a new mortgage deal?

If your current mortgage is with us, we can offer you a range of great re-mortgaging deals and could find one that’s exactly what you’re looking for.

  • Additional borrowing: Free up some of the equity in your home.
  • Fixed rate: Plan ahead with rates fixed up to 10 years.
  • Tracker rate: Your monthly repayments will be calculated inline with the Bank of England Base rate with our tracker mortgages.

If you’re looking to remortgage we have exclusive offers available to all remortgaging customers. Find out more.

You’ll find it really easy to switch to one of our re-mortgage options and because we know you we’ll even take care of all the paperwork too. So if you're coming to the end of your current mortgage deal or are looking to free up some of the equity in your home, simply get in touch. We could arrange for your property to be revalued and, subject to credit checks and affordability assessments, approve your new mortgage without any hassle.

Below is our interactive mortgage rates table, enabling your to find your perfect mortgage with ease and clarity.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Would you like a Fixed Rate or Tracker Rate mortgage?


  • Fixed Rate

    • With our fixed rate mortgages you know exactly how much your monthly repayments will be, no matter what happens to the Bank of England Base Rate. So, if you're looking to keep a tight control of your monthly outgoings, one of these products could be perfect for you.
    • Now pick how long you would like to fix for:

    • 2 year fixed

      • Now pick your deposit:
      • 15% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        2 Year Fixed Rate
        Fixed until 31/08/2014        		 3.99% (fixed)
        until 31/08/2014        		 Our Standard Variable Rate currently 4.74% 4.8% £999 Early repayment charges are applicable until 31/08/14 £140
        2 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2014        		 4.09% (fixed)
        until 31/08/2014        		 Our Standard Variable Rate currently 4.74% 4.8% £0 Early repayment charges are applicable until 31/08/14 £140
        2 Year Fixed Rate for Current Account Customers*
        Fixed until 31/08/2014        		 3.99% (fixed)
        until 31/08/2014        		 Our Standard Variable Rate currently 4.74% 4.7% £0 Early repayment charges are applicable until 31/08/14 £140
      • 25% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        2 Year Fixed Rate
        Fixed until 31/08/2014        		 3.69% (fixed)
        until 31/08/2014        		 4.74% 4.7% £999 Early repayment charges are applicable until 31/08/14 £140
        2 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2014        		 3.89% (fixed)
        until 31/08/2014        		 4.74% 4.7% £0 Early repayment charges are applicable until 31/08/14 £140
        2 Year Fixed Rate for Current Account Customers*
        Fixed until 31/08/2014        		 3.69% (fixed)
        until 31/08/2014        		 Our Standard Variable Rate currently 4.74% 4.6% £0 Early repayment charges are applicable until 31/08/14 £140
      • 40% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        2 Year Fixed Rate
        Fixed until 31/08/2014        		 3.49% (fixed)
        until 31/08/2014        		 4.74% 4.5% £0 Early repayment charges are applicable until 31/08/14 £140

    • 3 year fixed

      • Now pick your deposit:
      • Less than 15% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        3 Year Fixed Rate
        Fixed until 31/08/2015         		4.89% (fixed)
        until 31/08/2015        		 Our Standard Variable Rate currently 4.74% 5.1% £999 Early repayment charges are applicable until 31/08/15

        £140
        3 Year Fixed Rate
        – No Application Fee
        Fixed until 31/08/2015         		5.09% (fixed)
        31/08/2015        		 Our Standard Variable Rate currently 4.74% 5.0% £0 Early repayment charges are applicable until 31/08/15

        £140
      • 15% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        3 Year Fixed Rate
        Fixed until 31/08/2015        		 4.09% (fixed)
        until 31/08/2015        		 Our Standard Variable Rate currently 4.74% 4.8% £999 Early repayment charges are applicable until 31/08/15 £140
        3 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2015        		 4.19% (fixed)
        until 31/08/2015        		 Our Standard Variable Rate currently 4.74% 4.7% £0 Early repayment charges are applicable until 31/08/15 £140
      • 25% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        3 Year Fixed Rate
        Fixed until 31/08/2015        		 3.69% (fixed)
        until 31/08/2015        		 4.74% 4.7% £999 Early repayment charges are applicable until 31/08/15 £140
        3 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2015        		 3.99% (fixed)
        until 31/08/2015        		 4.74% 4.6% £0 Early repayment charges are applicable until 31/08/15 £140

    • 5 year fixed

      • Now pick your deposit:
      • Less than 15% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        5 Year Fixed Rate
        Fixed until 31/08/2017         		5.09% (fixed)
        until 31/08/2017
        		 Our Standard Variable Rate currently 4.74% 5.1% £999 Early repayment charges are applicable until 31/08/17

        £140
        5 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2017        		 5.39% (fixed)
        until 31/08/2017        		 Our Standard Variable Rate currently 4.74% 5.2% £0 Early repayment charges are applicable until 31/08/17 £140
        **5 year Fixed Rate - Standard Variable Rate customers only
        Fixed until 31/08/2017         		4.24% (fixed)
        until 31/08/2017
        		 Our Standard Variable Rate currently 4.74% 4.6% £0 Early repayment charges are applicable until 31/08/17

        £140
      • 15% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        5 Year Fixed Rate
        Fixed until 31/08/2017        		 4.09% (fixed)
        until 31/08/2017        		 Our Standard Variable Rate currently 4.74% 4.6% £999 Early repayment charges are applicable until 31/08/17 £140
        5 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2017        		 4.29% (fixed)
        until 31/08/2017        		 Our Standard Variable Rate currently 4.74% 4.6% £0 Early repayment charges are applicable until 31/08/17 £140
      • 25% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        5 Year Fixed Rate
        Fixed until 31/08/2017        		 3.89% (fixed)
        until 31/08/2017        		 4.74% 4.5% £999 Early repayment charges are applicable until 31/08/17 £140
        5 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2017        		 4.09% (fixed)
        until 31/08/2017        		 4.74% 4.5% £0 Early repayment charges are applicable until 31/08/17 £140

    • 10 year fixed

      • Now pick your deposit:
      • 25% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        10 Year Fixed Rate
        Fixed until 31/08/2022        		 4.79% (fixed)
        until 31/08/2022        		 4.74% 5.1% £999 Early repayment charges are applicable until 31/08/22 £140
        10 Year Fixed Rate - No Application Fee
        Fixed until 31/08/2022        		 4.99% (fixed)
        until 31/08/2022        		 4.74% 5.1% £0 Early repayment charges are applicable until 31/08/22 £140

      YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

      Fixed Rate Mortgage Products:

      • Minimum loan size £5,000
      • Maximum loan size £1,000,000
      • Maximum loans are subject to LTV limits

  • Tracker Rate

    • With our tracker rate mortgages your monthly repayments will be calculated in line with the Bank of England Base Rate. So, if the base rate goes down so will your repayments. Please note, if the base rate increases this will also be reflected in your monthly mortgage repayments.
    • Now pick which deposit is right for you:

    • 15% deposit

      Mortgage Initial Rate/Period Rate mortgage will then change to for remainder of mortgage Overall Cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
      Lifetime Tracker for Current Account Customers * (Bank of england Base Rate plus 3.19%) 3.69% Variable n/a 3.8% £0 Early repayment charges are applicable until 31/08/15 £140

    • 25% deposit

      Mortgage      Initial Rate/Period Rate mortgage will then change to for remainder of mortgage Overall Cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
      Lifetime Tracker for Current Account Customers* (Bank of England Base Rate plus 2.29%) 2.79% Variable n/a 2.9% £0 Early repayment charges are applicable until 31/08/15 £140

    • 40% deposit

      Mortgage Initial Rate/Period Rate mortgage will then change to for remainder of mortgage Overall Cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
      Lifetime Tracker for Current Account Customers* (Bank of England Base Rate plus 2.09%) 2.59% Variable n/a 2.7% £0 Early repayment charges are applicable until 31/08/15 £140

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    Life Time tracker for Current Account customers

    • Minimum loan size £50,000
    • Maximum loan size £1,500,000
    • Maximum loans are subject to LTV limits

* Current Account exclusive lifetime mortgage tracker and Current Account exclusive 2 year Fixed Rate

  • Mortgage offer available to smile current account, smilemore account, standard current account, current account plus, privilege and privilege premier current account holders only.
  • All current account customers must have completed The Co-operative Bank switching service or have paid in at least two consecutive months mandated salary into their Co-operative account to qualify.
  • Mortgage must be paid via direct debit from a Co-operative Bank or smile account.
  • Please note that if the customer has not switched or mandated two monthly mandated salary payments into the qualifying current account on the completion day, funds will not be released to the customer.
  • Min loan size at sub account level for this product is £50k i.e. any sub account on this product must be at least £50k.
  • We reserve the right to switch customer to SVR if salary is no longer mandated via a Co-operative Bank or smile account.

** 5 Year Fixed Rate for Standard Variable Rate customers

  • This product is only available to existing mortgage customers who are currently on our Standard Variable Rate.
  • There are no loan to value or loan amount restrictions, please note this product not available for additional borrowing.
  • In order for a product switch to be issued on this product you must already be on our Standard Variable Rate.

Application and Booking Fee

You can pay your application fee when your mortgage completes or you can add it to your mortgage. If you choose to add this fee to your mortgage you will be charged interest on it during the term of the mortgage.

If you choose a product with a booking fee, it is non refundable and payable on return of your application. You cannot add this to your mortgage.

Fixed rate early repayment charges

You can overpay by up to 10% of the previous year end balance of your mortgage each year, additional payments over this will incur the following early repayment charges:

  • 2 Year Fixed Rate Mortgage

    Additional payments over 10% of balance or redemption in first 2 Years:

    • 2% Until 31.08.2013
    • 1% from 01.09.2013 to 31.08.2014
  • 3 Year Fixed Rate Mortgage

    Additional payments over 10% of balance or redemption in first 3 Years:

    • 3% Until 31.08.2013
    • 2% from 01.09.2013 to 31.08.2014
    • 1% from 01.09.2014 to 31.08.2015
  • 5 Year Fixed Rate Mortgage

    Additional payments over 10% of balance or redemption in first 5 Years:

    • 5% Until 31.08.2013
    • 4% from 01.09.2013 to 31.08.2014
    • 3% from 01.09.2014 to 31.08.2015
    • 2% from 01.09.2015 to 31.08.2016
    • 1% from 01.09.2016 to 31.08.2017
  • 10 Year Fixed Rate Mortgage

    Additional payments over 10% of balance or redemption in first 10 Years:

    • 6% until 31.08.2018
    • 5% from 01.09.2018 to 31.08.2019
    • 4% from 01.09.2019 to 31.08.2020
    • 3% from 01.09.2020 to 31.08.2021
    • 2% from 01.09.2021 to 31.08.2022

Tracker rate early repayment charges

You can overpay by up to 10% of the previous year end balance of your mortgage each year, additional payments over this will incur the following early repayment charges:

  • Lifetime Tracker for Current Account customers

    Additional payments over 10% of balance of redemption in first 3 years:

    • 1% until 31.08.2015

    Please note that if you wish to switch to one of our Fixed rate products in the first three years, the early repayment charges will not apply. However application fees for the new mortgage may apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

How to apply