Platform
BankPlatform is the intermediary-only mortgage brand of The Co-operative Bank, offering residential and buy-to-let mortgage products through mortgage brokers with a focus on competitive rates and efficient service.
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About Platform
Platform is the intermediary-only mortgage lending brand of The Co-operative Bank. Launched to serve the mortgage broker market, Platform provides a dedicated channel for brokers to access residential and buy-to-let mortgage products on behalf of their clients. The brand operates separately from The Co-operative Bank's direct mortgage offerings.
Platform offers a range of residential and buy-to-let mortgage products, including fixed-rate and variable-rate options. The brand is known for competitive pricing, efficient service, and a straightforward approach to underwriting. Platform benefits from The Co-operative Bank's ethical banking heritage and strong focus on responsible lending.
Platform has established itself as a well-regarded intermediary brand in the UK mortgage market. The brand works with mortgage brokers across the UK and has invested in its technology platform to provide fast processing and efficient case management. Platform operates under The Co-operative Bank's FCA and PRA regulatory authorisations.
Lending Focus
Platform offers mortgage products across 3 categories including Residential, Buy-to-Let, Shared Ownership.
Key Features
- Intermediary-only brand backed by The Co-operative Bank
- Residential and buy-to-let products through brokers
- Shared ownership mortgages for first-time buyer clients
- Competitive fixed-rate and variable-rate options
- Ethical banking heritage from The Co-operative Bank
Pros & Cons
Pros
- Competitive rates across residential and buy-to-let products
- Efficient intermediary service with fast processing
- Shared ownership products help first-time buyers through brokers
- Ethical banking heritage provides responsible lending approach
Cons
- –Only available through mortgage brokers — no direct applications
- –No specialist products such as bridging, self-build, or commercial
- –Product range more limited than some larger intermediary brands
Fees & Charges
- Arrangement Fee
- Varies by product; fee-free options available
- Valuation Fee
- Free on selected products
- Early Repayment Charge
- 1–5% during the initial deal period
- Overpayment Allowance
- Up to 10% per year without charge
Mortgage Rates
Rate data coming soon. View rates on Platform
| 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
- 1–3 weeks
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 95%
Frequently Asked Questions
Can I apply for a Platform mortgage directly?
Is Platform part of The Co-operative Bank?
Does Platform offer shared ownership mortgages?
What is the maximum LTV Platform offers?
How to Apply
Broker only. Platform products are available through mortgage brokers. Find a broker with Platform on their panel.
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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.