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Our work with Centrepoint


At Platform we believe that no young person in our society should be homeless or at risk of homelessness.


There are lots of reasons why a young person could become homeless, including family breakdown and mental health issues. 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.


As part of The Co-operative Bank, which is defined by its values and ethics and has a history of standing up for the causes and social issues that matter most to our customers, we have partnered with Centrepoint, the UK’s leading charity for homeless young people in order to help end youth homelessness.


Centrepoint provides much more than just a place to stay. It helps homeless young people into a home and a job and equips them with the independent living skills needed to escape homelessness for good. Every year the charity helps more than 9,000 homeless 16-25 year olds in the UK with a safe place to live, health support and access to education and training. 


Mortgages that make a difference


For your client, a mortgage means so much more than just a roof over their head. It's a way of getting somewhere to call their own. A safe haven. A home.


But 150,000 young people asked for help with homelessness last year alone. For some, having a permanent roof over their head is like a distant dream. So, every time you complete a new mortgage or product switch with Platform, we make a £5 donation to Centrepoint on your client’s behalf.


Every £5 goes towards funding the Centrepoint Helpline, where people can get in touch for advice or guidance for themselves, or someone they know.


Read about the difference these donations are making to young people:


John's story >

Chloe's story >


Find out more about Centrepoint and youth homelessness >


Sleep Out so they don’t have to


For the second year running, Centrepoint’s Sleep Out Manchester 2018 will be supported by The Co-operative Bank when, for one night only, members of the public are invited to spend the night sleeping in Manchester’s iconic Victoria Baths.


While the Sleep Out event doesn't aim to replicate homelessness, it will give participants an insight into the challenges faced by people who are forced to sleep rough night after night; the biting cold, uncomfortable surroundings, and the difficulty of carrying on the next day with little sleep.


If you’d like to take on the challenge and join the Centrepoint Sleep Out in Manchester or at another location you’ll find all the information you need here. Alternatively, why not show your support by donating to our colleague fundraising total.


Donate to Sleep Out Manchester 2018 >


Terms of the donation:


New mortgage customer applications and existing mortgage customer product switch applications received from 2nd May 2018 up to and including 31 December 2019 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



The information contained within this section is for use by mortgage intermediaries authorised by the FCA.

Information is not to be disclosed or given to the public or is intended as a consumer advertisement as it does not provide APRCs or APRC Representative Examples.


The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No.990937. Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.


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