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Our mortgage rates

90% loan to value options now available

Whether you’re a first time buyer, looking to switch your mortgage to a different lender, or moving home it can be a stressful time – so to help things go as smoothly as possible we offer a range of simple and flexible mortgage options.

  • Fixed rate: Plan ahead with rates fixed up to 10 years. Up to 10% deposit options now available.
  • Tracker rate: Your monthly repayments will be calculated in line 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.

All of our mortgages are portable too – which means you can take our existing mortgage with you if you move again in the future, at no extra cost or hassle to you.

Below is our interactive mortgage rates table, helping you to find your perfect mortgage quickly and easily.

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?


Show me all the rates | Collapse all the rates

  • 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 30/04/2014        		 3.79% (fixed)
        until 30/04/2014        		 Our Standard Variable Rate currently 4.24% 4.4% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/14 £140
        2 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2014         		3.99% (fixed)
        until 30/04/2014
        		Our Standard Variable Rate currently 4.24% 4.3% £0 Early repayment charges are applicable until 30/04/14 £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 30/04/2014        		 3.39% (fixed)
        until 30/04/2014        		 Our Standard Variable Rate currently 4.24% 4.3% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/14 £140
        2 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2014
        		3.59% (fixed)
        until 30/04/2014
        		Our Standard Variable Rate currently 4.24% 4.2% £0 Early repayment charges are applicable until 30/04/14 £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 30/04/2014        		 2.79% (fixed)
        until 30/04/2014        		 Our Standard Variable Rate currently 4.24% 4.2% £1499 (including a £150 booking fee) Early repayment charges are applicable until 30/04/14 £140

    • 3 year fixed

      • Now pick your deposit:
      • 10% 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 30/04/2015        		 4.89% (fixed)
        until 30/04/2015        		 Our Standard Variable Rate currently 4.24% 4.7% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/15 £140
        3 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2015
        		5.09% (fixed)
        until 30/04/2015
        		Our Standard Variable Rate currently 4.24% 4.7% £0 Early repayment charges are applicable until 30/04/15 £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 30/04/2015        		 3.99% (fixed)
        until 30/04/2015        		 Our Standard Variable Rate currently 4.24% 4.4% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/15 £140
        3 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2015
        		4.29% (fixed)
        until 30/04/2015
        		Our Standard Variable Rate currently 4.24% 4.4% £0 Early repayment charges are applicable until 30/04/15 £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 30/04/2015        		 3.49% (fixed)
        until 30/04/2015        		 Our Standard Variable Rate currently 4.24% 4.3% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/15 £140
        3 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2015
        		 3.89% (fixed)
        until 30/04/2015
        		 Our Standard Variable Rate currently 4.24% 4.3% £0 Early repayment charges are applicable until 30/04/15 £140
      • 40% 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 30/04/2015        		 3.19% (fixed)
        until 30/04/2015        		 Our Standard Variable Rate currently 4.24% 4.2% £1499 (including a £150 booking fee) Early repayment charges are applicable until 30/04/15 £140

    • 5 year fixed

      • Now pick your deposit:
      • 10% 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 30/04/2017        		 5.09% (fixed)
        until 30/04/2017        		 Our Standard Variable Rate currently 4.24% 4.7% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/17 £140
        5 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2017
        		5.39% (fixed)
        until 30/04/2017
        		Our Standard Variable Rate currently 4.24% 4.7% £0 Early repayment charges are applicable until 30/04/17 £140
      • 15% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        Exclusive 5 Year Fixed Rate for existing current account customers*
        Fixed until 30/04/2017        		 4.19% (fixed)
        until 30/04/2017        		 Our Standard Variable Rate currently 4.24% 4.4% £0 Early repayment charges are applicable until 30/04/17 £140
        5 Year Fixed Rate
        Fixed until 30/04/2017        		 4.19% (fixed)
        until 30/04/2017        		 Our Standard Variable Rate currently 4.24% 4.4% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/17 £140
        5 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2017
        		4.49% (fixed)
        until 30/04/2017
        		Our Standard Variable Rate currently 4.24% 4.4% £0 Early repayment charges are applicable until 30/04/17 £140
      • 25% Deposit
        Mortgage Initial Rate/Period Standard Variable Rate Thereafter Overall cost for comparison (APR) Application Fee Early Repayment Charges Exit Fee
        Exclusive 5 Year Fixed Rate for existing current account customers *Fixed until 30/04/2017
        		3.39% (fixed)
        until 30/04/2017
        		 Our Standard Variable Rate currently 4.24% 4.0% £0 Early repayment charges are applicable until 30/04/17 £140
        5 Year Fixed Rate Fixed until 30/04/2017
        		3.39% (fixed)
        until 30/04/2017
        		 Our Standard Variable Rate currently 4.24% 4.0% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/17 £140
        5 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2017
        		3.59% (fixed)
        until 30/04/2017
        		 Our Standard Variable Rate currently 4.24% 4.3% £0 Early repayment charges are applicable until 30/04/17 £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 30/04/2022
        		4.79% (fixed)
        until 30/04/2022
        		 Our Standard Variable Rate currently 4.24% 5.0% £999 (including a £150 booking fee) Early repayment charges are applicable until 30/04/22

        £140

        10 Year Fixed Rate - No Application Fee
        Fixed until 30/04/2022
        		4.99% (fixed)
        until 30/04/2022
        		 Our Standard Variable Rate currently 4.24% 5.0% £0 Early repayment charges are applicable until 30/04/22 £140

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

      10% Deposit Mortgage Products:

      • Only available for first time buyers and home movers
      • Loans are available for repayment mortgage only (not part and part or interest only)
      • Minimum household income of £20k per annum
      • Maximum loan size £315,000

  • 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 30/04/15 £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 2.69%) 3.19% Variable n/a 3.3% £0 Early repayment charges are applicable until 30/04/15 £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 30/04/15 £140

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

* Current Account exclusive lifetime mortgage tracker and Current Account exclusive 5 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.

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 30.04.2013
    • 1% from 01.05.2013 to 30.04.2014
  • 3 Year Fixed Rate Mortgage

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

    • 3% Until 30.04.2013
    • 2% from 01.05.2013 to 30.04.2014
    • 1% from 01.05.2014 to 30.04.2015
  • 5 Year Fixed Rate Mortgage

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

    • 5% Until 31.04.2013
    • 4% from 01.05.2013 to 30.04.2014
    • 3% from 01.05.2014 to 30.04.2015
    • 2% from 01.05.2015 to 30.04.2016
    • 1% from 01.05.2016 to 30.04.2017
  • 10 Year Fixed Rate Mortgage

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

    • 6% until 30.04.2018
    • 5% from 01.05.2018 to 30.04.2019
    • 4% from 01.05.2019 to 30.04.2020
    • 3% from 01.05.2020 to 30.04.2021
    • 2% from 01.05.2021 to 30.04.2022

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 30.04.2015

    Please note that if you wish to switch to another product 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