Co-Op Mortgages
Mortgage products from the Co-Op, combining competitive rates with ethical banking values. Residential, remortgage, and first-time buyer options.
Banking with principles, lending with purpose
The Co-Operative Bank has built its reputation on ethical banking, operating under a customer-led policy that guides where and how it lends. For borrowers who want their mortgage with a bank that shares their values, the Co-Op offers a compelling proposition.
Beyond ethics, the Co-Op delivers competitive mortgage products that stand up well against mainstream alternatives. Through Doulton, you access their intermediary rates and products with professional guidance on choosing the right option.
Co-Op mortgages through Doulton
Ethical Banking Values
The Co-Op operates under a customer-led ethical policy, meaning your mortgage is with a bank that considers the social and environmental impact of its lending decisions.
Competitive Residential Rates
The Co-Op offers competitive fixed and variable rate mortgages for purchases and remortgages, regularly featuring in best-buy comparisons across multiple LTV bands.
First-Time Buyer Support
Dedicated products and clear guidance for first-time buyers, with high LTV options and straightforward affordability assessments to help new buyers get started.
Green Mortgage Incentives
The Co-Op offers preferential rates for energy-efficient homes and additional borrowing for green improvements, aligning their mortgage products with their environmental commitments.
Flexible Overpayments
Most Co-Op mortgage products allow overpayments, giving borrowers the flexibility to reduce their balance faster and save on interest over the life of the mortgage.
Transparent Terms
The Co-Op is known for transparent, straightforward mortgage terms without hidden fees or complicated conditions, reflecting their commitment to fair customer treatment.
How it works
Needs Discussion
We discuss your mortgage requirements and assess whether the Co-Op's products and values align with what you are looking for in a mortgage provider.
Rate Comparison
We compare the Co-Op's current rates against the wider market to ensure they offer genuinely competitive terms for your specific loan size and LTV ratio.
Application Handling
We submit your application through the Co-Op's intermediary channel and manage all documentation and communication through to mortgage offer.
Completion
We coordinate with the Co-Op and your solicitor to ensure a smooth completion, handling any queries that arise during the final stages.
Get a Co-Op mortgage quote
Combine competitive mortgage rates with ethical banking values. Our team will compare the Co-Op's products against the full market.