Co-operative Bank Mortgages

Your bank. Your values. Your mortgage.

When you get a mortgage with us, you'll have peace of mind knowing your mortgage is funded by an ethical bank.

co-operative bank mortgages

Mortgage in Principle

How it works and timescales

1. Check your eligibility and book a Mortgage in Principle appointment

Review the criteria below carefully to see if you are eligible, then choose your preferred contact time. One of our mortgage department colleagues will confirm a specific appointment time within your chosen time slot to you by email or telephone.

2. Your Mortgage in Principle appointment

When completing your Mortgage in Principle appointment one of our mortgage team will check some key eligibility information and complete an affordability assessment. This call will take approximately 30 minutes.

Once we have confirmed your eligibility and your happy to proceed we will book an appointment for you to speak to one of our Mortgage Advisors to complete your mortgage application.

3. Mortgage Advice appointment

Our Advisors provide a fully advised service, where they will gather all the information they need to ensure they recommend the best Mortgage for you. This call will last approximately 2 hours.

Things you should know

Our range of current mortgage products are below and are updated on a regular basis. Products cannot be guaranteed until a full application has been submitted. We have also created a First Time Buyer Guide for any questions you might have about getting on the property ladder. If you're unsure of any terms found on this page please check this against our Glossary of Terms.

Product rates (PDF)

First Time Buyers Guide (PDF)

Glossary of Terms (PDF)

Book an appointment for a Mortgage in Principle

Before you begin please take care to review the following criteria to ensure you are eligible.

To be eligible for a Co-operative Bank mortgage you need to:

  • be a UK resident with the right to remain indefinitely in the UK
  • be between the ages of 18-69
  • intend to use the property as your main residence
  • want the mortgage for a property in England, Wales or Scotland
  • not require one of the following types of mortgage - Shared equity, Shared Ownership, Right to buy, Guarantor, Help to Buy, Buy to Let or Share to Buy
  • Not be using the mortgage funds to consolidate any debts.
  • have never had a home repossessed or voluntary possession
  • have not had more than one late mortgage payment in the last 12 months
  • have not had more than two late or missed payments on credit agreements (Loans, Credit Cards etc) in the last 12 months
  • have not had a CCJ for more than £100 registered in the last 6 years
  • have not had a default registered in the last 12 months
  • have not had a default of more than £500 registered in the last 6 years
  • have been discharged from bankruptcy for more than 6 years.

How to apply

If you meet our mortgage criteria and would like to proceed with booking an appointment to get a Mortgage in Principle, please select the 'Book an appointment' button below.

Mortgages that make a difference

For every eligible mortgage sold through our direct and intermediary channels, we give £5 to Centrepoint (Terms apply).

Each £5 will go towards funding The Centrepoint Helpline, where people can get in touch for advice or guidance for themselves, or someone they know.

Alternative options

If you don't currently meet our criteria then there are alternatives available. Please review the information below to see what options you may have.


Want a mortgage with the UK’s only high-street bank with a customer-led ethical policy? Our mortgages are only available through a mortgage broker and our intermediary mortgage brand, Platform. The decision to appoint an intermediary to act on your behalf must be made on the basis of your own enquiries and The Co-operative Bank has no responsibility for the advice or assistance provided by the intermediary.

Find your local mortgage adviser

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L&C Mortgages

L&C Mortgages provide fee free mortgage advice. Their online mortgage finder lets you compare the deals you're eligible for and submit a request for a personalised recommendation, or you can talk to a mortgage adviser over the phone.

This link is provided for convenience only and should not be taken to constitute an endorsement or an approval by The Co-operative Bank of any of the products or services of L&C Mortgages. The Co-operative Bank receives no commission from L&C Mortgages and accepts no responsibility for the accuracy, legality or content of L&C Mortgages website.

Visit L&C Mortgages

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Important information

These important documents lay out our responsibilities to you and the terms and conditions of our products and services.

Mortgages legal information

PDF documents

Tariff of charges (PDF)

General information for regulated mortgages (PDF)

How we use your personal information (PDF)

Terms of the donation

Existing mortgage customer product switch applications received from 2nd May 2018 up to and including 31 December 2022 will be eligible for a £5 Centrepoint charity donation, on completion. Other transactions relating to existing mortgages including a further advance, porting of an existing mortgage or change of borrower, are not eligible for the donation at this time. The Bank makes a payment to Centrepoint quarterly, for eligible completions during the previous quarter.

The £5 donation will be made for each eligible mortgage sold through direct and intermediary channels i.e. it applies to the Bank’s Britannia and Platform branded mortgages. Britannia and Platform are trading names of The Co-operative Bank p.l.c. The Bank reserves the right to change or withdraw the donation arrangement at any time.

Centrepoint is a registered charity in England and Wales, No. 292411.

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

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