1. Home
  2. Our products
  3. Mortgages
  4. Switching your mortgage deal

Switching your mortgage deal

If your mortgage product is coming to the end of it's deal period or you are currently on our Standard Variable Rate, we have a range of new products for you to choose from.

  • Some mortgages available with no product fee.
  • Dedicated case owning team to process your application efficiently.
  • For every existing mortgage customer product switch, we'll donate £5 to youth homelessness charity Centrepoint (Terms apply). Learn more about the work we do with Centrepoint.
  • The mortgages that we offer are from our range only. You are entitled to request more than one illustration on any of the products that you qualify for.


Apply to switch your mortgage deal

You have two options:

  • Complete an Advised application, where a Mortgage Adviser can help you choose the most suitable product for you.

  • Complete an Execution Only application (subject to eligibility).

Browse our range of mortgages or use our mortgage repayment calculator to make sure you know which product you want.

Call us today on 08000 288288 Call charges and speak to a Mortgage Associate to discuss these options. This shouldn't take too long and they can arrange the most appropriate appointment.

Our range of products available will be the same regardless of which service you choose. Here is an explanation as to what each service offers.

The Advised Service

We offer an advised mortgage service where one of our expert Mortgage Advisers will collect information about your personal circumstances so they can recommend a mortgage that is suitable for you.

You will benefit from the protection afforded by the Financial Conduct Authority (FCA) rules in relation to assessing suitability, and we do not charge a fee for providing this advice.

The Execution Only Service

This option is suited to those who already know which mortgage product they are looking for.

Should you choose this approach, The Co-operative Bank will not provide any advice, assess the suitability of, or recommend, any new product to you. You will be responsible for making your own choice of product by referring to the list provided on our website or sent in the post (if requested) and you will not benefit from the regulatory protection you would get from receiving advice.

Independent Financial Adviser (IFA)

You may choose to review your mortgage options with an independent financial adviser who will be able to consider options from a wider range of mortgage providers. Some organisations provide free and impartial advice that you may want to contact. These are listed below.

Your home may be repossessed if you do not keep up with repayments on your mortgage

Discuss your mortgage

Get advice from our friendly mortgage advisers.

call us to talk to an advisor

Existing mortgage customers

Call us on 08000 288 288

Call charges

What it'll cost each month

Find out what you could be paying each month with one of our mortgages.

See what you'll pay

Got questions?

See if our FAQs can give you the answer.

Go to help and support

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.