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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

31/10/2020 £1,249     1.49% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1431
60% 2 year fixed 31/10/2020 £749 1.59% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1432
60% 2 year fixed 31/10/2020 £0 1.94% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1433

60% 2 year tracker 2 years from completion £999 1.24% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1449
60% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1450
60% 3 year fixed 31/10/2021 £1,249 1.79% 4.74%

4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1434
60% 3 year fixed 31/10/2021 £749 1.89% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1435
60% 3 year fixed 31/10/2021 £0 2.04% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1436
60% 5 year fixed 31/10/2023 £1,249 1.89% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1437
60% 5 year fixed 31/10/2023 £749 1.94% 4.74% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1438
60% 5 year fixed 31/10/2023 £0 2.14% 4.74% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1439
70%

2 year fixed

31/10/2020 £1,249 1.54% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1431
70% 2 year fixed 31/10/2020 £749 1.64% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1432
70% 2 year fixed 31/10/2020 £0 1.94% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1433
70% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1449
70% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1450
70% 3 year fixed 31/10/2021 £1,249 1.79% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1434
70% 3 year fixed 31/10/2021 £749 1.89% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1435
70% 3 year fixed 31/10/2021 £0 2.04% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1436
70% 5 year fixed 31/10/2023 £1,249 1.94% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1437
70% 5 year fixed 31/10/2023 £749 1.99% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1438
70% 5 year fixed 31/10/2023 £0 2.14% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1439
75%

2 year fixed

31/10/2020 £1,249 1.54% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1431
75% 2 year fixed 31/10/2020 £749 1.64% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1432
75% 2 year fixed 31/10/2020 £0 1.94% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1433
75% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1449
75% 2 year tracker 2 years from completion £0 1.79% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1450
75% 3 year fixed 31/10/2021 £1,249 1.79% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1434
75% 3 year fixed 31/10/2021 £749 1.89% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1435
75% 3 year fixed 31/10/2021 £0 2.04% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1436
75% 5 year fixed 31/10/2023 £1,249 1.94% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1437
75% 5 year fixed 31/10/2023 £749 1.99% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1438
75% 5 year fixed 31/10/2023 £0 2.19% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1439
80%

2 year fixed

31/10/2020 £1,249 1.59% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1431
80% 2 year fixed 31/10/2020 £749 1.69% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1432
80% 2 year fixed 31/10/2020 £0 1.99% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1433
80% 2 year tracker 2 years from completion £999 1.49% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1449
80% 2 year tracker 2 years from completion £0 1.89% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1450
80% 3 year fixed 31/10/2021 £1,249 1.89% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1434
80% 3 year fixed 31/10/2021 £749 1.99% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1435
80% 3 year fixed 31/10/2021 £0 2.14% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1436
80% 5 year fixed 31/10/2023 £1,249 2.09% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1437
80% 5 year fixed 31/10/2023 £749 2.14% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1438
80% 5 year fixed 31/10/2023 £0 2.34% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1439
85%

2 year fixed

31/10/2020 £1,249 1.64% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1431
85% 2 year fixed 31/10/2020 £749 1.74% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1432
85% 2 year fixed 31/10/2020 £0 2.04% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1433
85% 2 year tracker 2 years from completion £0 2.04% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1450
85% 3 year fixed 31/10/2021 £1,249 1.99% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1434
85% 3 year fixed 31/10/2021 £749 2.09% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1435
85% 3 year fixed 31/10/2021 £0 2.24% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1436
85% 5 year fixed 31/10/2023 £1,249 2.09% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1437
85% 5 year fixed 31/10/2023 £749 2.14% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1438
85% 5 year fixed 31/10/2023 £0 2.44% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1439
90%

2 year fixed

31/10/2020

£0 2.09% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1440
90% 2 year fixed 31/10/2020 £749 1.84% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1441
90% 2 year fixed 31/10/2020 £1,249 1.74% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1442
90% 3 year fixed 31/10/2021 £0 2.49% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1443
90% 3 year fixed 31/10/2021 £749 2.34% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1444
90% 3 year fixed 31/10/2021 £1,249 2.24% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1445
90% 5 year fixed 31/10/2023 £0 2.54% 4.74% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1446
90% 5 year fixed 31/10/2023 £749 2.39% 4.74% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1447
90% 5 year fixed 31/10/2023 £1,249 2.34% 4.74% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1448

 

 

Representative example                             

 

A mortgage of £156,464.87 payable over 20 years & 10 months initially on a fixed rate for 2 years at 1.94% and then on our current variable rate of 4.74% variable for the remaining 18 years & 10 months would require 24 monthly payments of £761.33 and 226 monthly payments of £964.74.
 
The total amount payable would be £236,337.55 made up of the loan amount plus interest £79,872.68, and a product fee of £0.

 

The overall cost for comparison is 4.2% 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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