Co-operative Bank Mortgage Rates & Fees Comparison

The Co-operative Bank was founded as the Loans and Deposit department of CWS in 1872 and today offers a wide range of mortgages, loans, accounts and credit cards to its customers. If you’re in the market for a mortgage, The Co-operative Bank offers products to suit first-time buyers, people who are moving home, and borrowers looking to re-mortgage to find a better deal.

Since 2018, the lender has only offered new mortgages through its intermediary mortgage brand, Platform.

Compare The Co-operative Bank’s mortgage rates

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Name	Product	Initial rate	Revert rate (SVR)	Maximum LTV	Borrower type	Overall cost for comparison	Cashback	Apply link
CASHBACK The Co-operative Bank 31/08/2028 Fixed The Co-operative Bank 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	4.3% fixed until 31/08/2028	6.87% variable	60%	First-time buyer, Moving home, Remortgaging	6% APRC	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
CASHBACK The Co-operative Bank 31/08/2028 Fixed The Co-operative Bank 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	4.39% fixed until 31/08/2028	6.87% variable	60%	First-time buyer, Moving home, Remortgaging	6% APRC	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
CASHBACK The Co-operative Bank 31/08/2028 Fixed The Co-operative Bank 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	4.4% fixed until 31/08/2028	6.87% variable	75%	First-time buyer, Moving home, Remortgaging	6% APRC	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
CASHBACK The Co-operative Bank 31/08/2028 Fixed The Co-operative Bank 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	4.4% fixed until 31/08/2028	6.87% variable	70%	First-time buyer, Moving home, Remortgaging	6% APRC	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
CASHBACK The Co-operative Bank 31/08/2028 Fixed The Co-operative Bank 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	4.44% fixed until 31/08/2028	6.87% variable	60%	First-time buyer, Moving home, Remortgaging	6% APRC	Eligible customers can receive up to £250 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
CASHBACK The Co-operative Bank 31/08/2028 Fixed The Co-operative Bank 31/08/2028 Fixed First-time buyerHome moverRemortgaging	CASHBACK	4.44% fixed until 31/08/2028	6.87% variable	60%	First-time buyer, Moving home, Remortgaging	6% APRC	Eligible customers can receive up to £500 cashback on completion. T&Cs apply.	Check eligibility View details		loading Fetching your data...
The Co-operative Bank 2 Years Variable The Co-operative Bank 2 Years Variable First-time buyerHome moverRemortgaging		4.49% variable (Base Rate plus 0.49% for up to 40 Years)	N/A	60%	First-time buyer, Moving home, Remortgaging	4.6% APRC		Check eligibility View details		loading Fetching your data...

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How to apply

Mortgage through the Co-operative Bank brand are no longer available to new customers as it has become an intermediary-only brand. However, new customers can apply for a mortgage through the Platform brand, which is owned by The Co-operative Bank. Platform offer a wide range of mortgages, including two, three and five year fixed rate mortgages and two year tracker mortgages. If a mortgage from Platform piques your interest, you’ll need to use a mortgage adviser to get one.

What information do I need to provide?

You’ll be asked to provide proof of identity, proof of address, recent bank statements, plus your last three monthly payslips or your last two SA302 forms if self-employed. Proof of deposit may also be required.

Eligibility criteria

You’ll need to be at least 18 years old when applying and no older than 75 when your mortgage term is due to end.

Platform will lend a maximum of 4.85 times your annual income. Applicants with unsatisfied CCJs, major criminal convictions or IVAs within the last six years will be declined.

Frequently asked questions

• What's the average interest rate for a mortgage from Platform/The Co-operative Bank?

  For a two-year fixed rate mortgage from Platform, the average rate is around 1.91%, lower than the industry average of 2.81%. Tracker mortgages from Platform, meanwhile, have a minimum interest rate which is the same as the initial interest rate. This means that interest payments may go up if the base rate increases, but will never decrease below the initial rate.

• Can I take a payment holiday?

  Yes, you can, but only if your mortgage is a flexible mortgage account. If you’re unsure of your account’s details, you can contact Platform on 01752 236555. Bear in mind that while Platform/The Co-operative Bank are able to discuss your options based on your circumstances, it can’t advise you on the best course of action.

• Can The Co-operative Bank advise me if I'm unsure which mortgage to go for?

  Yes, it can. The Co-op’s advised mortgage service involves the collection of information about you and your circumstances by an expert mortgage adviser, who’ll then be able to recommend a suitable mortgage. To access this service, you’ll need to book an appointment with a mortgage adviser, which can be done over the phone on 01752 236550.

• How can I contact The Co-operative Bank?

  To contact The Co-operative Bank, call 0800 288 288. You can also find it online at co-operativebank.co.uk

• How can I contact Platform?

  Existing customers can contact The Co-operative Bank’s mortgage brand by calling 01752 236550. If you’re interesting in applying, you’ll have to do through a mortgage adviser.