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Legal information

The typical APRs include a Telegraphic Transfer fee of £30 and the applicable acceptance fee (see individual product details), charged on completion and added to your loan, and has been based on the assumption that your home is in England or Wales and that you have agreed to use our recommended solicitors as a standard legal remortgage case. For house purchase cases, legal and valuation fees are at your own expense (unless otherwise stated in mortgage features). For example, if you are purchasing a property valued at £75,000, and use a Bank Panel Solicitor, typical legal fees will be £350 plus VAT plus disbursements and a valuation fee of £255.

They also assume that the Co‑operative Bank Standard Variable Rate remains at 6.99% for the length of your mortgage.

Minimum deposit of 10% required for loans up to £500,000, 25% up to £750,000 and 30% over £750,000.

We require a first charge on the borrower's home as security and life cover is strongly recommended. All loans are subject to our lending policy and are available to UK residents aged between 18 and 75 years and are subject to status and conditions.

All rates and product terms for new business are correct as at 1st July 2008 and are subject to variation. Availability of funds is limited.

Telephone calls may be monitored/recorded for security/training purposes.

Making a complaint

If you wish to complain about the service from The Co‑operative Bank, your complaint will be dealt with in accordance with our internal complaints procedures for mortgage business. In the first instance your complaint should be addressed to our Mortgage Team:

If you feel that your complaint has not been dealt with satisfactorily, you have the right to contact The Financial Ombudsman Service.

The FSA, the UK's financial watchdog, provides clear and impartial information about mortgages on their consumer friendly website. www.moneymadeclear.fsa.gov.uk

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