Co-operative Bank
BankThe Co-operative Bank is an established UK high-street lender offering residential and buy-to-let mortgages with an ethical banking ethos. With over 150 years of history, they provide products up to 95% LTV and are known for their commitment to responsible lending and customer service.
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About Co-operative Bank
The Co-operative Bank was founded in 1872 and has over 150 years of history in UK banking. The bank is known for its ethical banking ethos and commitment to responsible lending. The Co-operative Bank offers residential and buy-to-let mortgages with products up to 95% LTV, serving first-time buyers, home movers, and landlords.
The bank has faced challenges including a period of ownership restructuring, but has continued to serve mortgage customers. The Co-operative Bank maintains its ethical policy and commitment to customer service. The bank operates through branches, telephone, and digital channels.
The Co-operative Bank is regulated by the FCA and PRA and holds a full UK banking licence. The bank serves customers across the UK and has built a loyal customer base attracted to its ethical approach.
Lending Focus
Co-operative Bank offers mortgage products across 2 categories including Residential, Buy-to-Let.
Key Features
- High-street bank with ethical banking principles
- Residential mortgages up to 95% LTV
- Available direct and through intermediaries
- Buy-to-let products for individual landlords
- Long-established with over 150 years of heritage
Pros & Cons
Pros
- Established high-street bank with over 150 years of heritage
- Ethical banking principles and responsible lending ethos
- High LTV of up to 95% for residential mortgages
- Available both direct and through intermediaries
Cons
- –No bridging, commercial, or specialist lending products
- –Does not offer development finance or self-build mortgages
- –Limited product innovation compared to digital challengers
Fees & Charges
- Arrangement Fee
- Typically £999 — varies by product
- Valuation Fee
- Free valuation on many products — otherwise varies by property value
- Early Repayment Charge
- Typically 1–5% of the outstanding balance during fixed-rate period
- Overpayment Allowance
- Up to 10% of outstanding balance per year
Mortgage Rates
Rate data coming soon. View rates on Co-operative Bank
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 3–6 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months from date of offer
Lending Criteria
- Maximum LTV
- 95%
Frequently Asked Questions
Is the Co-operative Bank a building society?
Does the Co-operative Bank offer 95% LTV mortgages?
Can I apply for a Co-operative Bank mortgage through a broker?
Does the Co-operative Bank offer buy-to-let mortgages?
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.