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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

29/02/2020 £1,249     1.24% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1202
60% 2 year fixed 29/02/2020 £749 1.29% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1203
60% 2 year fixed 29/02/2020 £0 1.49% 4.74% 4.0%

Year 1: 2%

Year 2: 1%

M1205
60% 2 year tracker 2 years from completion £999 1.24% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1222
60% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.0%

Year 1: 2%

Year 2: 1%

M1223
60% 3 year fixed 28/02/2021 £1,249 1.54% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1206
60% 3 year fixed 28/02/2021 £749 1.64% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1207
60% 3 year fixed 28/02/2021 £0 1.99% 4.74% 3.8%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1208
60% 5 year fixed 28/02/2023 £1,249 1.84% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1209
60% 5 year fixed 28/02/2023 £749 1.89% 4.74% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1210
60% 5 year fixed 28/02/2023 £0 2.09% 4.74% 3.3%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1211
70%

2 year fixed

29/02/2020 £1,249 1.29% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1202
70% 2 year fixed 29/02/2020 £749 1.34% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1203
70% 2 year fixed 29/02/2020 £0 1.59% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1205
70% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1222
70% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1223
70% 3 year fixed 28/02/2021 £1,249 1.64% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1206
70% 3 year fixed 28/02/2021 £749 1.74% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1207
70% 3 year fixed 28/02/2021 £0 1.99% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1208
70% 5 year fixed 28/02/2023 £1,249 1.89% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1209
70% 5 year fixed 28/02/2023 £749 1.94% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1210
70% 5 year fixed 28/02/2023 £0 2.14% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1211
75%

2 year fixed

29/02/2020 £1,249 1.29% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1202
75% 2 year fixed 29/02/2020 £749 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1203
75% 2 year fixed 29/02/2020 £0 1.59% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1205
75% 2 year tracker 2 years from completion £999 1.69% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1222
75% 2 year tracker 2 years from completion £0 1.79% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1223
75% 3 year fixed 28/02/2021 £1,249 1.99% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1206
75% 3 year fixed 28/02/2021 £749 1.79% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1207
75% 3 year fixed 28/02/2021 £0 1.99% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1208
75% 5 year fixed 28/02/2023 £1,249 1.89% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1209
75% 5 year fixed 28/02/2023 £749 1.99% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1210
75% 5 year fixed 28/02/2023 £0 2.14% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1211
80%

2 year fixed

29/02/2020 £1,249 1.34% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1202
80% 2 year fixed 29/02/2020 £749 1.39% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1203
80% 2 year fixed 29/02/2020 £0 1.69% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1205
80% 2 year tracker 2 years from completion £999 1.49% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1222
80% 2 year tracker 2 years from completion £0 1.89% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1223
80% 3 year fixed 28/02/2021 £1,249 1.74% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1206
80% 3 year fixed 28/02/2021 £749 1.84% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1207
80% 3 year fixed 28/02/2021 £0 2.14% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1208
80% 5 year fixed 28/02/2023 £1,249 1.99% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1209
80% 5 year fixed 28/02/2023 £749 2.09% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1210
80% 5 year fixed 28/02/2023 £0 2.29% 4.74% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1211
85%

2 year fixed

29/02/2020 £1,249 1.39% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1202
85% 2 year fixed 29/02/2020 £749 1.44% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1203
85% 2 year fixed 29/02/2020 £0 1.69% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1205
85% 2 year tracker 2 years from completion £0 2.04% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1223
85% 3 year fixed 28/02/2021 £1,249 1.74% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1206
85% 3 year fixed 28/02/2021 £749 1.84% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1207
85% 3 year fixed 28/02/2021 £0 2.24% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1208
85% 5 year fixed 28/02/2023 £1,249 2.14% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1209
85% 5 year fixed 28/02/2023 £749 2.24% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1210
85% 5 year fixed 28/02/2023 £0 2.44% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1211
90%

2 year fixed

29/02/2020 £0 2.29% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1212
90% 2 year fixed 29/02/2020 £749 1.99% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1214
90% 2 year fixed 29/02/2020 £1,249 1.89% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1215
90% 3 year fixed 28/02/2021 £0 2.69% 4.74% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1216
90% 3 year fixed 28/02/2021 £749 2.44% 4.74% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1217
90% 3 year fixed 28/02/2021 £1,249 2.34% 4.74% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1218
90% 5 year fixed 28/02/2023 £0 2.99% 4.74% 4.1%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1219
90% 5 year fixed 28/02/2023 £749 2.74% 4.74% 4.1%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1220
90% 5 year fixed 28/02/2023 £1,249 2.59% 4.74% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1211

 

 

Representative example                             

 

A mortgage of £226,185 payable over 10 years & 3 months initially on a fixed rate for 2 years at 1.24% and then on our current variable rate of 4.74% variable for the remaining 8 years & 3 months would require 24 monthly payments of £1,959.19 and 99 monthly payments of £2,252.63.
 
The total amount payable would be £271,314.97 made up of the loan amount plus interest £45,129.97, 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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