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 31 January 2026 | 2% |
| 1 February 2026 - 31 January 2027 | 1% |
| After 31 January 2027 | No early repayment charge applicable |
3 Year Fixed Rate
The following early repayment charges apply during the following dates.
| Up to 31 January 2026 | 3% |
| 1 February 2026 - 31 January 2027 | 2% |
| 1 February 2027 - 31 January 2028 | 1% |
| After 31 January 2028 | No early repayment charge applicable |
5 Year Fixed Rate
The following early repayment charges apply during the following dates.
| Up to 31 January 2026 | 5% |
| 1 February 2026 - 31 January 2027 | 4% |
| 1 February 2027 - 31 January 2028 | 3% |
| 1 February 2028 - 31 January 2029 | 2% |
| 1 February 2029 - 31 January 2030 | 1% |
| After 31 January 2030 | 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?
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Call us on 08000 288 288 .
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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