Bank of England base rate
On 21 September 2023, the Bank of England base rate remained at 5.25%.
Buying your first home with us
Wherever you are in the process of buying your first home, we can help. If you’re not sure where to start, we have lots of useful mortgage help and guides.
Use our mortgage calculator
Want a rough idea of how much you need to budget for a property, or what you can afford?
Our mortgage calculator is simple and commitment-free, and with it you can:
Enter a property price to see what the monthly repayment amount would be
Enter your monthly repayment budget and see what property you could afford
See how changes in mortgage term and interest rate would affect monthly repayments
See how much a mortgage would cost you in total over the full term.
Apply for a Mortgage in Principle
Ready to apply for a Mortgage in Principle?
We’re on hand to help you get started:
If you’re at the start of your home buying journey, we can confirm your eligibility and let you know how much we're willing to lend you
If you’ve found a property you’d like to buy, we can complete your application over the phone
If you aren’t eligible for our Co-operative Bank mortgages, we can help you explore other options.
The original ethical bank, connecting people to safe housing
As the UK’s original ethical bank, we support causes that matter most to our customers. Find out how we’re connecting communities to safe housing.
The UK Government’s Homes for Ukraine scheme helps bring people to safety. Find out how you can help.
Our mortgages make a difference. For every eligible mortgage we provide, we give £5 to Centrepoint to help end youth homelessness. (Terms apply)
Need more support?
We understand there’s a lot to think about when planning and applying for a mortgage. Read our helpful guides to learn more about the steps involved.
How to apply
Confused about the next steps? Read all about our mortgage application process.
Frequently asked questions (FAQs)
We’ve got answers to questions about mortgage types, eligibility, buying a house, and much more.
Call us
You can call us on 08000 288 288 (call charges) to:
Book, change or cancel an appointment with a mortgage adviser
Check the progress of your application.
First time buyers guide
Our first time buyers guide is for people who want to better understand the many steps of buying a home, from the essentials of saving a deposit and getting mortgage ready, right through to our best tips for a straightforward moving day.
Buying a house step-by-step
We know buying a home can seem a little daunting. It’s probably the biggest financial commitment of your life and it can sometimes be a complicated and lengthy process. To help you with this, The Co-operative Bank has created this step by step guide to buying a home.
First time buyers schemes
Buying your first home is an exciting but often overwhelming process, especially when considering all the costs involved. This guide will explain some of the mortgage products and homeownership schemes that are worth considering if you’re a first time buyer.
Explore our other mortgage guides
The costs of buying a home
Different types of mortgages
95% mortgages
Not found what you're looking for?
Contact our support team