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We're helping homeless young people

At The Co-operative Bank, we believe that no young person in our society should be homeless or at risk of homelessness. That's why we've been working with Centrepoint, the UK's leading youth homelessness charity, since 2017. With your help, we've raised over £2 million (correct as of February 2022) so far to help with their mission to end youth homelessness.

Youth homelessness is more than a housing problem

There are many reasons why a young person could become homeless, such as family breakdown or issues with mental health. Tens of thousands of young people ask for help with homelessness every year.

Homelessness doesn't just involve people sleeping on the streets either. There are many more people who aren't as visible: the hidden homeless. The hidden homeless are sleeping on buses, sofa surfing with friends, or even worse, sleeping in the homes of strangers. Many are unable to live with family members, have no family, or are escaping abuse and violence and have little choice but to find shelter where they can.

The Co-operative Bank has a history of standing up for the causes and social issues that matter most to our customers. We believe that everyone has the right to a safe environment they can call home. Our partnership with Centrepoint is helping to house young people and to break the cycle of youth homelessness through access to learning and support with physical and mental health issues.

What are we doing to help?

From sponsoring and supporting Centrepoint's Sleep out and Stay:Up events, through to product initiatives, customer donations and colleague fundraising efforts, we've raised over £2 million (correct as of February 2022) to date for Centrepoint.

Mortgages that make a difference

For every eligible mortgage we provide to our customers, we give £5 to Centrepoint (Terms apply**).

These donations go towards funding the Centrepoint Helpline, which provides specialist advice and guidance for young people across the UK who are homeless or worried about housing. In 2018 we were proud to provide the funding to allow Centrepoint to expand this service by adding a dedicated team in Manchester, after the charity recognised the need for a local service. This has allowed more young people who are facing homelessness in Greater Manchester and across the UK to receive the advice and support they need to access safe and stable housing.

We’ve also helped to fund initiatives that provide practical help to homeless young people in the UK, such as access to mental health support.

We are incredibly grateful to our customers and colleagues who have helped Centrepoint to have such a huge impact on the lives of vulnerable young people across the UK:

  • Since 2018, the national Centrepoint Helpline has helped over 20,000 young people facing homelessness
  • 3 in 10 calls to the Centrepoint Helpline are from the Greater Manchester area. Support from The Co-operative Bank allowed Centrepoint to open a Manchester arm of the Helpline, offering tailored advice and guidance to young people from the local area.
  • 506 young people have received mental health support thanks to our partnership.

More about our work with Centrepoint

Find out more about homelessness

There’s more to homelessness than sleeping in the street.

View Centrepoint’s website

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

**Terms of the donation

New mortgage customer applications and existing mortgage customer product switch applications received from 2 May 2018 up to and including 31 December 2022 will be eligible for a £5 donation, on completion of the mortgage or product switch (as the case may be).  Transactions relating to existing mortgages including a further advance, porting of an existing mortgage or change of borrower, are not eligible for the Centrepoint charity donation at this time.  The Bank will make 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

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