Residential Mortgage Rates
| Product | 60% LTV | 75% LTV | 85% LTV |
|---|---|---|---|
| 2-Year Fixed | 3.89% | 4.14% | 4.49% |
| 5-Year Fixed | 3.79%Best | 4.04% | 4.39% |
| 2-Year Tracker | 5.09% | –% | –% |
| Standard Variable Rate (SVR) | 7.99% |
Buy-to-Let Mortgage Rates
Co-operative Bank does not offer buy-to-let mortgages through the broker channel.
Product Transfer Rates
| Product Transfer Type | Indicative Rate | Cashback via DBF |
|---|---|---|
| 2-Year Fixed Product Transfer | 3.74% | Cashback available |
| 5-Year Fixed Product Transfer | 3.69% | Cashback available |
About Co-operative Bank
The Co-operative Bank is a values-led high street bank with a long commitment to ethical banking. Their mortgage range is focused on residential lending for home buyers and remortgagers, with an emphasis on responsible lending principles and sustainability. They do not currently offer buy-to-let mortgages, keeping their proposition squarely in the residential homeowner market.
The Co-op Bank is well suited to residential borrowers who value ethical banking credentials alongside competitive pricing. Their rates are typically in line with mid-market mainstream lenders, and their criteria are sensible and broadly accessible for applicants with clean credit. First-time buyers and home movers with standard income structures will find their product range straightforward and competitive.