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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     1.39% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1451
60% 2 year fixed 31/10/2020 £749 1.49% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1452
60% 2 year fixed 31/10/2020 £0 1.94% 4.99% 4.3%

Year 1: 2%

Year 2: 1%

M1453

60% 2 year tracker 2 years from completion £999 1.49% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1469
60% 2 year tracker 2 years from completion £0 1.94% 4.99% 4.3%

Year 1: 2%

Year 2: 1%

M1470
60% 3 year fixed 31/10/2021 £1,249 1.79% 4.99%

4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1454
60% 3 year fixed 31/10/2021 £749 1.89% 4.99% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1455
60% 3 year fixed 31/10/2021 £0 2.04% 4.99% 4.0%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1456
60% 5 year fixed 31/10/2023 £1,249 1.89% 4.99% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1457
60% 5 year fixed 31/10/2023 £749 1.94% 4.99% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1458
60% 5 year fixed 31/10/2023 £0 2.14% 4.99% 3.5%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1459
70%

2 year fixed

31/10/2020 £1,249 1.44% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1451
70% 2 year fixed 31/10/2020 £749 1.54% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1452
70% 2 year fixed 31/10/2020 £0 1.94% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1453
70% 2 year tracker 2 years from completion £999 1.59% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1469
70% 2 year tracker 2 years from completion £0 1.94% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1470
70% 3 year fixed 31/10/2021 £1,249 1.79% 4.99% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1454
70% 3 year fixed 31/10/2021 £749 1.89% 4.99% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1455
70% 3 year fixed 31/10/2021 £0 2.04% 4.99% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1456
70% 5 year fixed 31/10/2023 £1,249 1.94% 4.99% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1457
70% 5 year fixed 31/10/2023 £749 1.99% 4.99% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1458
70% 5 year fixed 31/10/2023 £0 2.14% 4.99% 3.6%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1459
75%

2 year fixed

31/10/2020 £1,249 1.44% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1451
75% 2 year fixed 31/10/2020 £749 1.54% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1452
75% 2 year fixed 31/10/2020 £0 1.94% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1453
75% 2 year tracker 2 years from completion £999 1.59% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1469
75% 2 year tracker 2 years from completion £0 2.04% 4.99% 4.4%

Year 1: 2%

Year 2: 1%

M1470
75% 3 year fixed 31/10/2021 £1,249 1.79% 4.99% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1454
75% 3 year fixed 31/10/2021 £749 1.89% 4.99% 4.2%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1455
75% 3 year fixed 31/10/2021 £0 2.04% 4.99% 4.1%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1456
75% 5 year fixed 31/10/2023 £1,249 1.94% 4.99% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1457
75% 5 year fixed 31/10/2023 £749 1.99% 4.99% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1458
75% 5 year fixed 31/10/2023 £0 2.19% 4.99% 3.7%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1459
80%

2 year fixed

31/10/2020 £1,249 1.59% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1451
80% 2 year fixed 31/10/2020 £749 1.69% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1452
80% 2 year fixed 31/10/2020 £0 1.99% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1453
80% 2 year tracker 2 years from completion £999 1.74% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1469
80% 2 year tracker 2 years from completion £0 2.14% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1470
80% 3 year fixed 31/10/2021 £1,249 1.89% 4.99% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1454
80% 3 year fixed 31/10/2021 £749 1.99% 4.99% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1455
80% 3 year fixed 31/10/2021 £0 2.14% 4.99% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1456
80% 5 year fixed 31/10/2023 £1,249 2.04% 4.99% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1457
80% 5 year fixed 31/10/2023 £749 2.09% 4.99% 3.8%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1458
80% 5 year fixed 31/10/2023 £0 2.29% 4.99% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1459
85%

2 year fixed

31/10/2020 £1,249 1.69% 4.99% 4.6%

Year 1: 2%

Year 2: 1%

M1451
85% 2 year fixed 31/10/2020 £749 1.79% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1452
85% 2 year fixed 31/10/2020 £0 2.04% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1453
85% 2 year tracker 2 years from completion £0 2.29% 4.99% 4.6%

Year 1: 2%

Year 2: 1%

M1470
85% 3 year fixed 31/10/2021 £1,249 1.99% 4.99% 4.4%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1454
85% 3 year fixed 31/10/2021 £749 2.09% 4.99% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1455
85% 3 year fixed 31/10/2021 £0 2.24% 4.99% 4.3%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1456
85% 5 year fixed 31/10/2023 £1,249 2.14% 4.99% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1457
85% 5 year fixed 31/10/2023 £749 2.19% 4.99% 3.9%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1458
85% 5 year fixed 31/10/2023 £0 2.44% 4.99% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1459
90%

2 year fixed

31/10/2020

£0 2.09% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1460
90% 2 year fixed 31/10/2020 £749 1.84% 4.99% 4.5%

Year 1: 2%

Year 2: 1%

M1461
90% 2 year fixed 31/10/2020 £1,249 1.74% 4.99% 4.6%

Year 1: 2%

Year 2: 1%

M1462
90% 3 year fixed 31/10/2021 £0 2.49% 4.99% 4.4%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1463
90% 3 year fixed 31/10/2021 £749 2.34% 4.99% 4.4%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1464
90% 3 year fixed 31/10/2021 £1,249 2.24% 4.99% 4.4%

Year 1: 3%

Year 2: 2%

Year 3: 1%

M1465
90% 5 year fixed 31/10/2023 £0 2.54% 4.99% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1466
90% 5 year fixed 31/10/2023 £749 2.39% 4.99% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1467
90% 5 year fixed 31/10/2023 £1,249 2.34% 4.99% 4.0%

Year 1: 5%

Year 2: 4%

Year 3: 3%

Year 4: 2%

Year 5: 1%

M1468

 

 

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 4.99% variable for the remaining 18 years & 10 months would require 24 monthly payments of £761.33 and 226 monthly payments of £984.25.
 
The total amount payable would be £240,732.85 made up of the loan amount plus interest £84,267.98, and a product fee of £0.

 

The overall cost for comparison is 4.4% 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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