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Residential Products for Existing Customers

For existing mortgage customers

Intermediaries please click here >

 

You can see all of our Residential products for existing customers below. Alternatively, please use the following links to display rates only available at your required Loan to Value.

 

 

Please note that all the rates displayed below are only available for Residential product switches, if you wish to complete any other variation such as borrowing additional funds, please contact us on 01752 236 550.

 

 

Loan to Value Product Product End Date Fee Initial Rate

Reverting to our current Standard Variable Rate

Overall Cost for Comparison (APRC)

Early Repayment Charge (ERC)

Product Code
60%

2 year fixed

30/11/2019 £1,249     1.09% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1179
60% 2 year fixed 30/11/2019 £749 1.19% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1180
60% 2 year fixed 30/11/2019 £0 1.39% 4.49% 3.8%

Year 1: 2%

Year 2: 1%

M1182
60% 2 year tracker 2 years from completion £999 1.24% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1199
60% 2 year tracker 2 years from completion £0 1.69% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1200
60% 3 year fixed 30/11/2020 £1,249 1.49% 4.49% 3.7%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1183
60% 3 year fixed 30/11/2020 £749 1.59% 4.49% 3.7%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1184
60% 3 year fixed 30/11/2020 £0 1.89% 4.49% 3.6%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1185
60% 5 year fixed 30/11/2022 £1,249 1.69% 4.49% 3.3%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1186
60% 5 year fixed 30/11/2022 £749 1.79% 4.49% 3.2%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1187
60% 5 year fixed 30/11/2022 £0 1.99% 4.49% 3.2%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1188
70%

2 year fixed

30/11/2019 £1,249 1.14% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1179
70% 2 year fixed 30/11/2019 £749 1.29% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1180
70% 2 year fixed 30/11/2019 £0 1.49% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1182
70% 2 year tracker 2 years from completion £999 1.34% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1199
70% 2 year tracker 2 years from completion £0 1.69% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1200
70% 3 year fixed 30/11/2020 £1,249 1.59% 4.49% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1183
70% 3 year fixed 30/11/2020 £749 1.69% 4.49% 3.7%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1184
70% 3 year fixed 30/11/2020 £0 1.89% 4.49% 3.7%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1185
70% 5 year fixed 30/11/2022 £1,249 1.74% 4.49% 3.3%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1186
70% 5 year fixed 30/11/2022 £749 1.84% 4.49% 3.3%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1187
70% 5 year fixed 30/11/2022 £0 2.04% 4.49% 3.3%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1188
75%

2 year fixed

30/11/2019 £1,249 1.19% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1179
75% 2 year fixed 30/11/2019 £749 1.29% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1180
75% 2 year fixed 30/11/2019 £0 1.49% 4.49% 3.9%

Year 1: 2%

Year 2: 1%

M1182
75% 2 year tracker 2 years from completion £999 1.34% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1199
75% 2 year tracker 2 years from completion £0 1.79% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1200
75% 3 year fixed 30/11/2020 £1,249 1.64% 4.49% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1183
75% 3 year fixed 30/11/2020 £749 1.74% 4.49% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1184
75% 3 year fixed 30/11/2020 £0 1.89% 4.49% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1185
75% 5 year fixed 30/11/2022 £1,249 1.79% 4.49% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1186
75% 5 year fixed 30/11/2022 £749 1.94% 4.49% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1187
75% 5 year fixed 30/11/2022 £0 2.04% 4.49% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1188
80%

2 year fixed

30/11/2019 £1,249 1.29% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1179
80% 2 year fixed 30/11/2019 £749 1.34% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1180
80% 2 year fixed 30/11/2019 £0 1.69% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1182
80% 2 year tracker 2 years from completion £999 1.49% 4.49% 4.1%

Year 1: 2%

Year 2: 1%

M1199
80% 2 year tracker 2 years from completion £0 1.89% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1200
80% 3 year fixed 30/11/2020 £1,249 1.69% 4.49% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1183
80% 3 year fixed 30/11/2020 £749 1.79% 4.49% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1184
80% 3 year fixed 30/11/2020 £0 2.04% 4.49% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1185
80% 5 year fixed 30/11/2022 £1,249 1.94% 4.49% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1186
80% 5 year fixed 30/11/2022 £749 2.04% 4.49% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1187
80% 5 year fixed 30/11/2022 £0 2.19% 4.49% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1188
85%

2 year fixed

30/11/2019 £1,249 1.34% 4.49% 4.1%

Year 1: 2%

Year 2: 1%

M1179
85% 2 year fixed 30/11/2019 £749 1.39% 4.49% 4.1%

Year 1: 2%

Year 2: 1%

M1180
85% 2 year fixed 30/11/2019 £0 1.69% 4.49% 4.0%

Year 1: 2%

Year 2: 1%

M1182
85% 2 year tracker 2 years from completion £0 2.04% 4.49% 4.1%

Year 1: 2%

Year 2: 1%

M1200
85% 3 year fixed 30/11/2020 £1,249 1.74% 4.49% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1183
85% 3 year fixed 30/11/2020 £749 1.84% 4.49% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1184
85% 3 year fixed 30/11/2020 £0 2.19% 4.49% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1185
85% 5 year fixed 30/11/2022 £1,249 2.09% 4.49% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1186
85% 5 year fixed 30/11/2022 £749 2.19% 4.49% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1187
85% 5 year fixed 30/11/2022 £0 2.34% 4.49% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1188
90%

2 year fixed

30/11/2019 £0 2.29% 4.49% 4.2%

Year 1: 2%

Year 2: 1%

M1189
90% 2 year fixed 30/11/2019 £749 1.94% 4.49% 4.2%

Year 1: 2%

Year 2: 1%

M1191
90% 2 year fixed 30/11/2019 £1,249 1.79% 4.49% 4.2%

Year 1: 2%

Year 2: 1%

M1192
90% 3 year fixed 30/11/2020 £0 2.64% 4.49% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1193
90% 3 year fixed 30/11/2020 £749 2.44% 4.49% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1194
90% 3 year fixed 30/11/2020 £1,249 2.34% 4.49% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1195
90% 5 year fixed 30/11/2022 £0 2.94% 4.49% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1196
90% 5 year fixed 30/11/2022 £749 2.74% 4.49% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1197
90% 5 year fixed 30/11/2022 £1,249 2.59% 4.49% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1198

 

 

Representative example                             

 

A mortgage of £226,185 payable over 10 years & 3 months initially on a fixed rate for 2 years at 1.09% and then on our current variable rate of 4.49% variable for the remaining 8 years & 3 months would require 24 monthly payments of £1,944.37 and 99 monthly payments of £2,227.60.
 
The total amount payable would be £268,481.73 made up of the loan amount plus interest £42,296.73, and a product fee of £1249.00.

 

The overall cost for comparison is 3.4% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

 


 

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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