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Early repayment charges

If you repay your mortgage in full or part by capital repayment, or transfer to another product within the periods shown, the following early repayment charge will apply. This will be calculated as a percentage of the amount that you repay early.

You may be able to overpay by up to 10% of your mortgage balance per calendar year without penalty. This will be clearly stated in your specific mortgage terms and conditions.

2 Year Fixed Rate

The following early repayment charges apply during the following dates.

Up to 30 June 2027 2%
1 July 2027 - 30 June 2028 1%
After 30 June 2028 No early repayment charge applicable

3 Year Fixed Rate

The following early repayment charges apply during the following dates.

Up to 30 June 2027 3%
1 July 2027 - 30 June 2028 2%
1 July 2028 - 30 June 2029 1%
After 30 June 2029 No early repayment charge applicable

5 Year Fixed Rate

The following early repayment charges apply during the following dates.

Up to 30 June 2027 5%
1 July 2027 - 30 June 2028 4%
1 July 2028 - 30 June 2029 3%
1 July 2029 - 30 June 2030 2%
1 July 2030 - 30 June 2031 1%
After 30 June 2031 No early repayment charge applicable

Lifetime Tracker

Early repayment charges do not apply to our Lifetime Tracker mortgages, so you can overpay with no restrictions.

Lifetime of mortgage No early repayment charge applicable

Questions about your mortgage?

Get advice from our friendly mortgage advisers.

Call us on 08000 288 288 .

Call charges.

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

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.

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