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New Business Mainstream products


For Intermediary use only

Existing customer? Click here.


New Business Mainstream products are only available through selected business partners >


Know which product you are looking for? Click on our quick links below:


Tracker products Cashback products* 95% LTV (Purchase only)
M1617 2 year tracker from 1.59%

M1618 2 year tracker from 1.94%

M1602 2 year fixed from 1.54%
M1603 2 year fixed from 1.79%

M1604 2 year fixed from 1.89%

M1605 3 year fixed from 1.79%

M1606 3 year fixed from 1.89%

M1607 3 year fixed from 2.09%

M1608 5 year fixed from 1.89%

M1609 5 year fixed from 1.94%

M1610 5 year fixed from 2.14%

M1611 2 year fixed 3.19%

M1612 2 year fixed 2.99%

M1613 3 year fixed 3.49%

M1614 3 year fixed 3.19%

M1615 5 year fixed 3.54%

M1616 5 year fixed 3.34%

* Cashback £500 for all 95% LTV fixed rate products

 Consistent features All of our New Business Mainstream products include:


Bullet pointFree valuation for remortgage and purchase when using our recommended surveyors


Bullet pointFree standard legals for remortgages when using our recommended solicitors*


* Remortgage applications for loans £500k or over and/or on unencumbered properties are not eligible for this feature

Further Lending

If we agree any additional borrowing, it will not be available on the range of introductory rates available for new business for the additional amount borrowed. Any future additional borrowing will be based on a variable interest rate which will either track above the Bank of England Base Rate or will be our Standard Variable Interest Rate (SVR) at the time of your client’s additional borrowing request. This may be higher than their existing rate. You should contact us at the time your client is interested to determine what their options will be.


Please note that to be considered for an additional borrowing request, your client must:

Bullet pointHave had a  Platform mortgage for at least 6 months

Bullet point

Not have had any arrears for the last 6 months

Bullet point

Want to borrow £5,000 or more

Bullet pointNot want to consolidate any outstanding debts, such as credit card balances, onto their mortgage.




  New Business Mainstream product guide >  


View our New Business Mainstream criteria > 



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.


Calls to 0800 and 0808 numbers are free from landlines and mobiles. Calls to 03 numbers cost the same as calls to numbers starting with 01 and 02. Calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge. Calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Calls may be monitored or recorded for security and training purposes.

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