Help & info
Just type in your query, or have a look at the list of popular questions below.
Manage existing mortgage
Can I change my mortgage rate before the end of my initial rate period?
You may be able to change your mortgage rate before the end of your initial rate period.Learn more
How does the Bank of England base rate affect my mortgage?
Find out how The Bank of England base rate affects Tracker, Standard variable & Fixed rate mortgages.Learn more
Can I make overpayments on my mortgage?
Overpayments are when you pay an extra amount into your mortgage each month, with the aim of saving interest in the long run, or funding future underpayments.Learn more
I’m a mortgage customer – how do I change my address?
You'll need to call us to discuss why you're no longer living at the property.Learn more
Can I apply for additional borrowing on my mortgage?
Additional borrowing is often known as a 'Further Advance' or a 'Home Owner Loan', and you may apply for it at any time. Please check our lending criteria before you apply.Learn more
Can I apply for a further advance on my mortgage?
We recommend that you think carefully before securing additional borrowing against your home as it will increase your overall mortgage debt. Please call us on +44(0)800 234 6171 to discuss this.Learn more
Can I transfer my mortgage to another property?
If you are moving house, you may be able to transfer your existing mortgage with us onto a new mortgage for your new property.Learn more
I am worried about an increase in my mortgage’s interest rates. What can I do?
Mortgages - Bank of England Base Rate Change - 11th March 2020 and 19th March 2020
On the 11 March 2020 The Bank of England base rate decreased from 0.75% to 0.25% and on the 19 March 2020 The Bank of England base rate decreased from 0.25% to 0.10%. The Co-operative Bank’s Standard Variable Rate will decrease from 4.99% to 4.49% effective from 1 April 2020 and from 4.49% to 4.34% effective from 1 May 2020.Learn more