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Excellent4.3(40 ratings)

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Reviewed by: bjthom

My experience of the staff in my branch regards sorting out a mortgage, it was a positive experience, staff we...

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Does The Co-operative Bank provide your mortgage?

Tell us what you think of them because it will help others.

Compare The Co-operative Bank Mortgages

This comparison includes mortgages for this lender.

sorted by:

Most popular

  • Most popular
  • Maximum LTV
  • Lowest initial rate
  • Lowest subsequent rate (SVR)
  • Cheapest overall cost
The Co-operative Bank 2 year fixed cashback mortgage for people with an existing current account
0333 305 7317
Maximum LTV
60%
Initial rate
1.24% fixed until 31st October 2018
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% APRC
Fees
Application fee
No fee
Arrangement fee
£1,349 with an option to add to the loan
Booking fee
£150 paid upfront
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 31st October 2017
- then 1% of the amount paid, until 31st October 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
The Co-operative Bank 2 year fixed
0333 305 7317
Maximum LTV
60%
Initial rate
1.24% fixed until 31st October 2018
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% APRC
Fees
Application fee
No fee
Arrangement fee
£1,349 with an option to add to the loan
Booking fee
£150 paid upfront
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 31st October 2017
- then 1% of the amount paid, until 31st October 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
The Co-operative Bank 5 year fixed
0333 305 7317
Maximum LTV
60%
Initial rate
2.19% fixed until 31st October 2021
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
3.5% APRC
Fees
Application fee
No fee
Arrangement fee
£849 with an option to add to the loan
Booking fee
£150 paid upfront
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 5% of the amount paid, before 31st October 2017
- then 4% of the amount paid, until 31st October 2018
- then 3% of the amount paid, until 31st October 2019
- then 2% of the amount paid, until 31st October 2020
- then 1% of the amount paid, until 31st October 2021

Other fees may apply.

More information on this mortgageLess information on this mortgage
The Co-operative Bank 2 year fixed
0333 305 7317
Maximum LTV
60%
Initial rate
1.44% fixed until 31st October 2018
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% APRC
Fees
Application fee
No fee
Arrangement fee
£849 with an option to add to the loan
Booking fee
£150 paid upfront
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 31st October 2017
- then 1% of the amount paid, until 31st October 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
The Co-operative Bank 2 year fixed
0333 305 7317
Maximum LTV
70%
Initial rate
1.34% fixed until 31st October 2018
Subsequent rate (SVR)
4.49% variable
Overall cost for comparison
4.0% APRC
Fees
Application fee
No fee
Arrangement fee
£1,349 with an option to add to the loan
Booking fee
£150 paid upfront
Completion fee
No fee
Product fee
No fee
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 31st October 2017
- then 1% of the amount paid, until 31st October 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Overall representative example for all mortgages on money.co.uk

Based on borrowing

£170,000 over 25 years

The overall cost of comparison

3.98% APRC representative

Initial rate

2.35% fixed for 2 years(24 instalments of £748.42pm)

Subsequent rate (SVR)

4.23% variable for the remaining 23 years
(276 instalments of £906.54pm)

Fees

£548

Total amount payable

£268,715.86

The Co-operative Bank (Britannia) mortgages reviews

sorted by:

Most helpful

  • Most helpful
  • Latest
  • Highest rating
  • Lowest rating

Does The Co-operative Bank provide your mortgage?

Tell us what you think of them because it will help others.

21/11/14

Recommended

Review mortgage of the Co-operative Bank

My experience of the staff in my branch regards sorting out a mortgage, it was a positive experience, staff were polite and down to earth and explained things patiently which made a big difference. The woman who was I was dealing with took her time to explain all the difficult parts which usually leaves my head spinning and even now I see her she makes an effort to engage in a conversation which makes me feel appreciated, not just a number!

Friendly, positive and patient.

Would like extended bank times

3
Satisfactory
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

16/12/14

Recommended

Tracker mortgage with a brilliant rate.

I was fortunate in that I took out my mortgage several years ago and got a tracker rate set at 0.7 above bank rate which then dropped to 0.55 above bank rate after 10 years. Clearly you are never likely to get that sort of rate these days, so I was just lucky with the timing. Apart from an intial hiccup when the mortgage was first set up, a problem with the direct debit, every thing has been fine since. Britannia is however now part of the Co Op, so whether they would be so good now I don't know.

Brilliant tracker rate

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

21/11/14

Britannia Fixed Rate Mortgage

Already had a Homesaver account with Britannia, which was used to create a deposit for my first mortgage This was my first mortgage and the team that took me through the whole process was really helpful and happy to explain things to me Unfortunately, although I'm very happy with the customer service, I did take out a 5 year fixed rate, which was obviously slightly higher interest rate than the variable rate - but it was initially worth the peace of mind knowing exactly what I'd be paying each month However, interest rates have continued to drop since I took this out and I have a nasty feeling that my fixed rate will end just as the interest rates go back up :o( not the bank's fault ... just one of those things I suppose Plus I can overpay if I want to ... but haven't had the funds to do that recently

Great customer service

Fixed rate higher than variable rates

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

20/10/14

Recommended

Review of my Britannia mortgage

Approximately 5 years ago, recently divorced I was struggling to pay the whole of the mortgage for the ex marital home. Mortgage was with the Halifax, had been for approx 15 years. Britannia was recommended by a close friend, went in for an appointment at the Kidsgrove Staffs branch to discuss options, and they were absolutely brilliant. Hassle free, they sorted out a new mortgage for me and saved me a LOT of money and anxiety.

Good rate, excellent seevice

I am worried now that the Britannia has been taken over by the Co-Op

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

15/10/14

Recommended

Britannia Building Society

I have had my mortgage with Britannia (now Co-Op) for more than 20 years. I have moved house 3 or 4 times in that period and they have been very helpful in various aspects of the transactions. I have never had and reasons to complain or raise any issues with them regarding my account. I am very sory that they were bought out by the Co-Op, but have not noticed mach difference.

Customer Service

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does The Co-operative Bank provide your mortgage?

Tell us what you think of them because it will help others.