Co-Op Platform - Existing Customer Rates 60% LTV
- All
- 2 Years
- 3 years
- 5 years
Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.87% | 31 Mar 28 | £749 | Apply |
| 3 years Fixed | 3.91% | 31 Mar 29 | £749 | Apply |
| 2 years Fixed | 4.11% | 31 Mar 28 | 0 | Apply |
| 3 years Fixed | 4.16% | 31 Mar 29 | 0 | Apply |
| 5 years Fixed | 4.16% | 31 Mar 31 | £749 | Apply |
| 5 years Fixed | 4.25% | 31 Mar 31 | 0 | Apply |
| Full Term Tracker | 4.59% | Full Term | £999 | Apply |
| Full Term Tracker | 5.34% | Full Term | 0 | Apply |
Co-Op Platform - Existing Customer Rates 60% LTV at October 6, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.87% | 31 Mar 28 | £749 | Apply |
| 2 years Fixed | 4.11% | 31 Mar 28 | 0 | Apply |
Co-Op Platform - Existing Customer Rates 60% LTV at October 6, 2025
When to apply for a new Co-op Mortgage Rate
An existing Co-op mortgage account holder can apply for a new rate up to 180 days before maturity of their current mortgage rate
Co-Op Platform - Existing Customer Rates 70% LTV
- All
- 2 Years
- 3 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.94% | 31 Mar 28 | £749 | Apply |
| 3 years Fixed | 4.06% | 31 Mar 29 | £749 | Apply |
| 2 years Fixed | 4.20% | 31 Mar 28 | 0 | Apply |
| 3 years Fixed | 4.22% | 31 Mar 29 | 0 | Apply |
Co-Op Platform - Existing Customer Rates 70% LTV at October 6, 2025
Co-Op Platform - Existing Customer Rates 75% LTV
- All
- 2 Years
- 3 years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.08% | 31 Mar 28 | £749 | Apply |
| 3 years Fixed | 4.21% | 31 Mar 29 | £749 | Apply |
| 5 years Fixed | 4.26% | 31 Mar 31 | £749 | Apply |
| 2 years Fixed | 4.36% | 31 Mar 28 | 0 | Apply |
| 3 years Fixed | 4.38% | 31 Mar 29 | 0 | Apply |
| 5 years Fixed | 4.44% | 31 Mar 31 | 0 | Apply |
| Full Term Tracker | 4.89% | Full Term | £999 | Apply |
| Full Term Tracker | 5.64% | Full Term | 0 | Apply |
Co-Op Platform - Existing Customer Rates 75% LTV at October 6, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.08% | 31 Mar 28 | £749 | Apply |
| 2 years Fixed | 4.36% | 31 Mar 28 | 0 | Apply |
Co-Op Platform - Existing Customer Rates 75% LTV at October 6, 2025
Co-Op Platform - Existing Customer Rates 80% LTV
- All
- 2 Years
- 3 years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.21% | 31 Mar 28 | £749 | Apply |
| 3 years Fixed | 4.37% | 31 Mar 29 | £749 | Apply |
| 5 years Fixed | 4.42% | 31 Mar 31 | £749 | Apply |
| 2 years Fixed | 4.51% | 31 Mar 28 | 0 | Apply |
| 3 years Fixed | 4.59% | 31 Mar 29 | 0 | Apply |
| 5 years Fixed | 4.61% | 31 Mar 31 | 0 | Apply |
| Full Term Tracker | 5.09% | Full Term | £999 | Apply |
| Full Term Tracker | 5.84% | Full Term | 0 | Apply |
Co-Op Platform - Existing Customer Rates 80% LTV at October 6, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.21% | 31 Mar 28 | £749 | Apply |
| 2 years Fixed | 4.51% | 31 Mar 28 | 0 | Apply |
Co-Op Platform - Existing Customer Rates 80% LTV at October 6, 2025
Co-Op Platform - Existing Customer Rates 85% LTV
- All
- 2 Years
- 3 years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.29% | 31 Mar 28 | £749 | Apply |
| 3 years Fixed | 4.41% | 31 Mar 29 | £749 | Apply |
| 5 years Fixed | 4.57% | 31 Mar 31 | £749 | Apply |
| 2 years Fixed | 4.59% | 31 Mar 28 | 0 | Apply |
| 3 years Fixed | 4.59% | 31 Mar 29 | 0 | Apply |
| 5 years Fixed | 4.77% | 31 Mar 31 | 0 | Apply |
| Full Term Tracker | 5.14% | Full Term | £999 | Apply |
| Full Term Tracker | 5.89% | Full Term | 0 | Apply |
Co-Op Platform - Existing Customer Rates 85% LTV at October 6, 2025
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.29% | 31 Mar 28 | £749 | Apply |
| 2 years Fixed | 4.59% | 31 Mar 28 | 0 | Apply |
Co-Op Platform - Existing Customer Rates 85% LTV at October 6, 2025
Co-op Mortgage Renewal process
Contact our Team and we will help you to establish your best mortgage product option from Co-op mortgages.
When you are ready, we will apply for your new mortgage rate and Co-op product and offer a letter with a form of authority.
Co-op will switch your account to your new mortgage rate on the 15th of the month prior to the expiry date of your current mortgage product.
We recommend that an application goes in a least 30 days prior to the end of the current deal. If a Co-op product transfer request is received too late, the mortgage may revert to standard variable rate for at least a month, and no refunds or backdated rate changes can be considered.
Co-Op Platform - Existing Customer BTL Rates 60% LTV
- All
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| Full Term Tracker | 4.74% | Full Term | £749 | Apply |
Co-Op Platform - Existing Customer BTL Rates 60% LTV at October 6, 2025
Co-Op Platform - Existing Customer BTL Rates 65% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.02% | 31 Mar 28 | £1,499 | Apply |
| 5 years Fixed | 4.26% | 31 Mar 31 | £1,499 | Apply |
| 2 years Fixed | 4.26% | 31 Mar 28 | 0 | Apply |
| 5 years Fixed | 4.46% | 31 Mar 31 | 0 | Apply |
| Full Term Tracker | 4.84% | Full Term | £749 | Apply |
Co-Op Platform - Existing Customer BTL Rates 65% LTV at October 6, 2025
Co-Op Platform - Existing Customer BTL Rates 75% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.26% | 31 Mar 28 | £1,499 | Apply |
| 5 years Fixed | 4.50% | 31 Mar 31 | £1,499 | Apply |
| 2 years Fixed | 4.51% | 31 Mar 28 | 0 | Apply |
| 5 years Fixed | 4.67% | 31 Mar 31 | 0 | Apply |
Co-Op Platform - Existing Customer BTL Rates 75% LTV at October 6, 2025
Will I need to provide proof of income?
You do not need to provide proof of income to swap a rate on a Co-op buy-to-let mortgage or a Co-op residential mortgage.
The exception to this is, if you have a Co-op residential mortgage with an interest-only element.
What Co-Op Mortgage Rate will I be offered?
We outline the currently available Co-op mortgage rates for existing Co-op customers on this page.
One key factor in the rates you will be offered is your loan-to-value ratio (the value of your property against the balance of your mortgage).
Co-op Mortgages will use a House Price Index to estimate the value of your property. If they have a recent valuation figure that is higher they will use that instead.
If you do not agree with the valuation and request a re-valuation, that is possible, but a fee will be charged by the Lender. There is no guarantee your revaluation figure will be higher than the original indexed figure.
Cases where you will need to deal with Co-Op Mortgages Direct
We provide a Co-op Mortgage Product Transfer Service free of charge. There are some circumstances where we cannot assist, and you will need to deal directly with Co-op Mortgages. These include:
- Where you hold multiple sub-accounts
- When you are moving home
- When you want to add or remove someone from the mortgage
- If your remaining mortgage term is short
- If you need additional borrowing
- If you need to extend your mortgage term
Mortgage Product Transfer with another Lender? – click below
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