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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

31/08/2020 £1,249     1.64% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1385
60% 2 year fixed 31/08/2020 £749 1.74% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1386
60% 2 year fixed 31/08/2020 £0 1.94% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1388

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

Year 1: 2%

Year 2: 1%

M1405
60% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1406
60% 3 year fixed 31/08/2021 £1,249 1.79% 4.74%

4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1389
60% 3 year fixed 31/08/2021 £749 1.89% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1390
60% 3 year fixed 31/08/2021 £0 2.09% 4.74% 3.9%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1391
60% 5 year fixed 31/08/2023 £1,249 1.94% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1392
60% 5 year fixed 31/08/2023 £749 1.99% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1393
60% 5 year fixed 31/08/2023 £0 2.19% 4.74% 3.4%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1394
70%

2 year fixed

31/08/2020 £1,249 1.64% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1385
70% 2 year fixed 31/08/2020 £749 1.74% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1386
70% 2 year fixed 31/08/2020 £0 1.94% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1388
70% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1405
70% 2 year tracker 2 years from completion £0 1.69% 4.74% 4.1%

Year 1: 2%

Year 2: 1%

M1406
70% 3 year fixed 31/08/2021 £1,249 1.79% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1389
70% 3 year fixed 31/08/2021 £749 1.89% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1390
70% 3 year fixed 31/08/2021 £0 2.09% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1391
70% 5 year fixed 31/08/2023 £1,249 1.99% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1392
70% 5 year fixed 31/08/2023 £749 2.04% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1393
70% 5 year fixed 31/08/2023 £0 2.19% 4.74% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1394
75%

2 year fixed

31/08/2020 £1,249 1.64% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1385
75% 2 year fixed 31/08/2020 £749 1.74% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1386
75% 2 year fixed 31/08/2020 £0 1.94% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1388
75% 2 year tracker 2 years from completion £999 1.34% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1405
75% 2 year tracker 2 years from completion £0 1.79% 4.74% 4.2%

Year 1: 2%

Year 2: 1%

M1406
75% 3 year fixed 31/08/2021 £1,249 1.79% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1389
75% 3 year fixed 31/08/2021 £749 1.89% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1390
75% 3 year fixed 31/08/2021 £0 2.09% 4.74% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1391
75% 5 year fixed 31/08/2023 £1,249 1.99% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1392
75% 5 year fixed 31/08/2023 £749 2.04% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1393
75% 5 year fixed 31/08/2023 £0 2.24% 4.74% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1394
80%

2 year fixed

31/08/2020 £1,249 1.69% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1385
80% 2 year fixed 31/08/2020 £749 1.79% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1386
80% 2 year fixed 31/08/2020 £0 1.99% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1388
80% 2 year tracker 2 years from completion £999 1.49% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1405
80% 2 year tracker 2 years from completion £0 1.89% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1406
80% 3 year fixed 31/08/2021 £1,249 1.89% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1389
80% 3 year fixed 31/08/2021 £749 1.99% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1390
80% 3 year fixed 31/08/2021 £0 2.19% 4.74% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1391
80% 5 year fixed 31/08/2023 £1,249 2.14% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1392
80% 5 year fixed 31/08/2023 £749 2.19% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1393
80% 5 year fixed 31/08/2023 £0 2.39% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1394
85%

2 year fixed

31/08/2020 £1,249 1.69% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1385
85% 2 year fixed 31/08/2020 £749 1.79% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1386
85% 2 year fixed 31/08/2020 £0 2.04% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1388
85% 2 year tracker 2 years from completion £0 2.04% 4.74% 4.3%

Year 1: 2%

Year 2: 1%

M1406
85% 3 year fixed 31/08/2021 £1,249 1.99% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1389
85% 3 year fixed 31/08/2021 £749 2.09% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1390
85% 3 year fixed 31/08/2021 £0 2.29% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1391
85% 5 year fixed 31/08/2023 £1,249 2.19% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1392
85% 5 year fixed 31/08/2023 £749 2.24% 4.74% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1393
85% 5 year fixed 31/08/2023 £0 2.49% 4.74% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1394
90%

2 year fixed

31/08/2020

£0 2.24% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1395
90% 2 year fixed 31/08/2020 £749 2.04% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1397
90% 2 year fixed 31/08/2020 £1,249 1.94% 4.74% 4.4%

Year 1: 2%

Year 2: 1%

M1398
90% 3 year fixed 31/08/2021 £0 2.54% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1399
90% 3 year fixed 31/08/2021 £749 2.34% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1400
90% 3 year fixed 31/08/2021 £1,249 2.24% 4.74% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1401
90% 5 year fixed 31/08/2023 £0 2.69% 4.74% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1402
90% 5 year fixed 31/08/2023 £749 2.49% 4.74% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1403
90% 5 year fixed 31/08/2023 £1,249 2.44% 4.74% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1404

 

 

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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