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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

30/04/2020 £1,249     1.19% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1246
60% 2 year fixed 30/04/2020 £749 1.29% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1247
60% 2 year fixed 30/04/2020 £0 1.49% 4.74% 4.0%

Year 1: 2%

Year 2: 1%

M1249
60% 2 year tracker 2 years from completion £999 1.24% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1266
60% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.0%

Year 1: 2%

Year 2: 1%

M1267
60% 3 year fixed 30/04/2021 £1,249 1.54% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1250
60% 3 year fixed 30/04/2021 £749 1.64% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1251
60% 3 year fixed 30/04/2021 £0 1.94% 4.74% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1252
60% 5 year fixed 30/04/2023 £1,249 1.79% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1253
60% 5 year fixed 30/04/2023 £749 1.84% 4.74% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1254
60% 5 year fixed 30/04/2023 £0 2.09% 4.74% 3.3%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1255
70%

2 year fixed

30/04/2020 £1,249 1.29% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1246
70% 2 year fixed 30/04/2020 £749 1.39% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1247
70% 2 year fixed 30/04/2020 £0 1.54% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1249
70% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1266
70% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1267
70% 3 year fixed 30/04/2021 £1,249 1.64% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1250
70% 3 year fixed 30/04/2021 £749 1.74% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1251
70% 3 year fixed 30/04/2021 £0 1.94% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1252
70% 5 year fixed 30/04/2023 £1,249 1.89% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1253
70% 5 year fixed 30/04/2023 £749 1.94% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1254
70% 5 year fixed 30/04/2023 £0 2.14% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1255
75%

2 year fixed

30/04/2020 £1,249 1.29% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1246
75% 2 year fixed 30/04/2020 £749 1.39% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1247
75% 2 year fixed 30/04/2020 £0 1.54% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1249
75% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1266
75% 2 year tracker 2 years from completion £0 1.79% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1267
75% 3 year fixed 30/04/2021 £1,249 1.64% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1250
75% 3 year fixed 30/04/2021 £749 1.74% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1251
75% 3 year fixed 30/04/2021 £0 1.94% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1252
75% 5 year fixed 30/04/2023 £1,249 1.89% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1253
75% 5 year fixed 30/04/2023 £749 1.94% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1254
75% 5 year fixed 30/04/2023 £0 2.14% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1255
80%

2 year fixed

30/04/2020 £1,249 1.34% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1246
80% 2 year fixed 30/04/2020 £749 1.44% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1247
80% 2 year fixed 30/04/2020 £0 1.64% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1249
80% 2 year tracker 2 years from completion £999 1.49% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1266
80% 2 year tracker 2 years from completion £0 1.89% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1267
80% 3 year fixed 30/04/2021 £1,249 1.69% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1250
80% 3 year fixed 30/04/2021 £749 1.79% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1251
80% 3 year fixed 30/04/2021 £0 2.09% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1252
80% 5 year fixed 30/04/2023 £1,249 1.94% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1253
80% 5 year fixed 30/04/2023 £749 1.99% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1254
80% 5 year fixed 30/04/2023 £0 2.29% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1255
85%

2 year fixed

30/04/2020 £1,249 1.39% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1246
85% 2 year fixed 30/04/2020 £749 1.49% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1247
85% 2 year fixed 30/04/2020 £0 1.64% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1249
85% 2 year tracker 2 years from completion £0 2.04% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1267
85% 3 year fixed 30/04/2021 £1,249 1.69% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1250
85% 3 year fixed 30/04/2021 £749 1.79% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1251
85% 3 year fixed 30/04/2021 £0 2.19% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1252
85% 5 year fixed 30/04/2023 £1,249 2.09% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1253
85% 5 year fixed 30/04/2023 £749 2.14% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1254
85% 5 year fixed 30/04/2023 £0 2.44% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1255
90%

2 year fixed

30/04/2020 £0 2.14% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1256
90% 2 year fixed 30/04/2020 £749 1.84% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1258
90% 2 year fixed 30/04/2020 £1,249 1.79% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1259
90% 3 year fixed 30/04/2021 £0 2.59% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1260
90% 3 year fixed 30/04/2021 £749 2.34% 4.74% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1261
90% 3 year fixed 30/04/2021 £1,249 2.24% 4.74% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1262
90% 5 year fixed 30/04/2023 £0 2.84% 4.74% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1263
90% 5 year fixed 30/04/2023 £749 2.59% 4.74% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1264
90% 5 year fixed 30/04/2023 £1,249 2.49% 4.74% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1265

 

 

Representative example                             

 

A mortgage of £226,185 payable over 10 years & 3 months initially on a fixed rate for 2 years at 1.19% and then on our current variable rate of 4.74% variable for the remaining 8 years & 3 months would require 24 monthly payments of £1,954.24 and 99 monthly payments of £2,251.55.
 
The total amount payable would be £271,089.07 made up of the loan amount plus interest £44,904.07, and a product fee of £1249.00.

 

The overall cost for comparison is 3.6% 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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