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Co-Op Mortgage rates for existing borrowers
If you are an existing Co-Op Borrower we can secure a new mortgage rate for you. With no meetings, no paperwork, no fuss.
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Today's Co-Op mortgage rates
Rates shown as at 12 September 2026
Loan to Value (LTV) is the percentage of your property's value against your mortgage.
For example, if your mortgage balance is £150,000 or less on a property value of £200,000 - this gives access to products listed as 75% LTV.
Co-Op 60% LTV Rates
| Action | ||||
|---|---|---|---|---|
| Tracker Until | 4.34% | £999 | Apply Now | |
| 2 years Fixed | 4.90% | 28-Feb-2029 | £749 | Apply Now |
| 3 years Fixed | 4.96% | 28-Feb-2030 | £749 | Apply Now |
| 5 years Fixed | 4.96% | 29-Feb-2032 | £749 | Apply Now |
| 2 years Fixed | 5.00% | 28-Feb-2029 | No Fee | Apply Now |
| 5 years Fixed | 5.04% | 29-Feb-2032 | No Fee | Apply Now |
| Tracker Until | 5.09% | No Fee | Apply Now | |
| 3 years Fixed | 5.14% | 28-Feb-2030 | No Fee | Apply Now |
Co-Op 70% LTV Rates
Co-Op 75% LTV Rates
| Action | ||||
|---|---|---|---|---|
| Tracker Until | 4.64% | £999 | Apply Now | |
| 2 years Fixed | 4.95% | 28-Feb-2029 | £749 | Apply Now |
| 3 years Fixed | 5.00% | 28-Feb-2030 | £749 | Apply Now |
| 5 years Fixed | 5.06% | 29-Feb-2032 | £749 | Apply Now |
| 2 years Fixed | 5.12% | 28-Feb-2029 | No Fee | Apply Now |
| 3 years Fixed | 5.18% | 28-Feb-2030 | No Fee | Apply Now |
| 5 years Fixed | 5.18% | 29-Feb-2032 | No Fee | Apply Now |
| Tracker Until | 5.39% | No Fee | Apply Now |
Co-Op 80% LTV Rates
| Action | ||||
|---|---|---|---|---|
| Tracker Until | 4.84% | £999 | Apply Now | |
| 2 years Fixed | 5.13% | 28-Feb-2029 | £749 | Apply Now |
| 5 years Fixed | 5.16% | 29-Feb-2032 | £749 | Apply Now |
| 3 years Fixed | 5.20% | 28-Feb-2030 | £749 | Apply Now |
| 5 years Fixed | 5.32% | 29-Feb-2032 | No Fee | Apply Now |
| 2 years Fixed | 5.36% | 28-Feb-2029 | No Fee | Apply Now |
| 3 years Fixed | 5.41% | 28-Feb-2030 | No Fee | Apply Now |
| Tracker Until | 5.59% | No Fee | Apply Now |
Co-Op 85% LTV Rates
| Action | ||||
|---|---|---|---|---|
| Tracker Until | 4.89% | £999 | Apply Now | |
| 2 years Fixed | 5.13% | 28-Feb-2029 | £749 | Apply Now |
| 5 years Fixed | 5.16% | 29-Feb-2032 | £749 | Apply Now |
| 3 years Fixed | 5.28% | 28-Feb-2030 | £749 | Apply Now |
| 5 years Fixed | 5.32% | 29-Feb-2032 | No Fee | Apply Now |
| 2 years Fixed | 5.36% | 28-Feb-2029 | No Fee | Apply Now |
| 3 years Fixed | 5.41% | 28-Feb-2030 | No Fee | Apply Now |
| Tracker Until | 5.64% | No Fee | Apply Now |
Co-Op 90% LTV Rates
| Action | ||||
|---|---|---|---|---|
| Tracker Until | 4.94% | £999 | Apply Now | |
| 2 years Fixed | 5.29% | 28-Feb-2029 | £749 | Apply Now |
| 5 years Fixed | 5.36% | 29-Feb-2032 | £749 | Apply Now |
| 3 years Fixed | 5.42% | 28-Feb-2030 | £749 | Apply Now |
| 5 years Fixed | 5.44% | 29-Feb-2032 | No Fee | Apply Now |
| 2 years Fixed | 5.52% | 28-Feb-2029 | No Fee | Apply Now |
| 3 years Fixed | 5.62% | 28-Feb-2030 | No Fee | Apply Now |
| Tracker Until | 5.69% | No Fee | Apply Now |
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Quick links to other lender product transfer pages.
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