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Switching your deal

For existing mortgage customers

Intermediaries please click here >


If your mortgage product is coming to the end of its deal period or you are currently on our Standard Variable Rate, we have a range of new products for you to choose from.


1. Before you switch

2. View our Residential and Buy to Let products

3. How to apply



3. How to apply




This option is suited to those that are unsure about which product is best for them


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We will review your circumstances and provide a recommendation based on your needs.Bullet point

As we are providing advice, we are responsible for ensuring the product is suitable for your needs.


Information only


This option is suited to those who already know which product they are looking for (also known as Execution Only)


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We will give you information about the range of products we have available and you decide on the one that is appropriate for your circumstances.Bullet point

We will not provide advice and will not be responsible for assessing whether the product is suitable to meet your needs.


You can call us to discuss your options or you can speak to you own independent mortgage advisor.


Regardless of how you apply:


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You will receive full details in the post about your new mortgage product and new repayment amount. Once you receive these details, you will need to review these and return before we can complete your mortgage product switch.

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Our range of products available will be the same.

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You will need to have your mortgage account number to hand.


Applying by telephone


You can receive advice or choose your own product over the telephone. If you are a residential mortgage customer who wants advice, you will need the following information for your appointment:


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Access to details of your income, including your most recent pay slipBullet point

Your latest bank statement, including full details of your outgoingsBullet point

Details of all loans and credit cards


Call us today on 01752 236550 to discuss your options. This shouldn't take too long and we can arrange the most appropriate appointment.


Applying online


Before you begin your mortgage product switch online:


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You should know the details of the product you want to apply for, such as fixed term lengthBullet point

If you choose a mortgage product with a fee, decide how you will pay the fee

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You are entitled to request more than one illustration on any of our products that you qualify for. If you do require more than one illustration, please call us on 01752 236550 to discuss your options before completing your application online


Eligibility criteria


Before you use our Mortgage switch form please ensure that you meet the eligibility criteria to apply online

We are not able to accept online applications:


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If you have an Early Repayment Charge that does not expire within the next 4 monthsBullet point

If extra borrowing is required

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If a change to the mortgage term is requiredBullet point

If a change to add or remove an account holder to or from the mortgage is requiredBullet point

If a change to the repayment method is required e.g. Moving from interest only to capital and interestBullet point

If you have missed any mortgage payments within the last 12 monthsBullet point

If the fixed term of the product required is longer than the remaining mortgage termBullet point

If the outstanding balance of your mortgage account being switched is less than £5,000

Bullet pointIf you want to switch an account that is not your main mortgage account


By starting your product switch using this online form, you declare that your mortgage does not fall into any of the categories above.


I wish to switch my mortgage product online and to proceed without advice.



Start my online switch application >






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.

Link to lending policy pdf