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Switching your mortgage product could not be easier

For existing mortgage customers

Intermediaries please click here >


1. Review your current mortgage


If you’re in the last three months of your mortgage product, we’ll allow you to secure your next rate now, and this will automatically transfer at the end of your current deal.


2. Am I eligible?


You can switch your mortgage product as long as: 

  • You have not been in arrears in the last 12 months.
  • The mortgage property is still your main residence.


3. Expert advice to help you decide


With our Advised Service, one of our expert mortgage advisers will collect information about your personal circumstances so that they can recommend a mortgage that is suitable for you.


However, if you already know what mortgage product you’re looking for, in certain circumstances, we may be able to provide an Execution Only Service. This means you would be responsible for making your own choice of product; we will not give any advice, assess the suitability of, or recommend any new product to you and you will not benefit from the protection you would get from receiving advice.


4. How to switch


You have two options:

  • Complete an Advised application, where an advisor can help you choose the most suitable product for you.
  • Complete an Execution Only application (subject to eligibility). Browse our range of mortgages to make sure you know which product you want.


Call us today on 01752 236 550 and speak to a mortgage associate to discuss these options. This shouldn’t take too long and they can arrange the most appropriate appointment.


5. What products can I choose from?


You can see all of our Residential Product Switching rates here.





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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