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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
The Co-operative Bank was purchased by Coventry Building Society in 2025 and has strong ethical policies. Its deals are available through mortgage brokers.
Here, you can find out what the Co-operative Bank mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best Co-operative Bank mortgage rates on the market right now.
This article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our mortgage lender reviews
Real Co-operative Bank customer views
We've asked 69 mortgage customers of the Co-operative Bank about their experiences of the lender.
Expert mortgage rate analysis
We've analysed the Co-operative Bank's mortgages to work out whether it's a lender that offers competitive deals.
The Co-operative Bank is in the bottom half of our customer satisfaction table. The lender got three or four stars in most categories, but received just two stars for its online access.
70%
out of 21 mortgage lenders ranked on customer score (joint-15th)
To see how the Co-operative Bank compares with other mortgage providers, visit our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. The Co-operative Bank was just outside the top 10 overall, and stood out for remortgage deals.'
Here's how the Co-operative Bank did in our analysis:
Find out more: check which lenders came ahead of the Co-operative Bank in our cheapest lender interest rate analysis
The table shows the two-year fixed-rate mortgages the Co-operative Bank is currently offering first-time buyers with an 80%, 90% or 95% LTV.
To see how the Co-operative Bank compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 80% | The Co-operative Bank | 70% | 5.3% | £999 | 6.62% |
| 80% fee free | The Co-operative Bank | 70% | 5.63% | £0 | 6.62% |
| 90% | The Co-operative Bank | 70% | 5.34% | £999 | 6.62% |
| 90% fee free | The Co-operative Bank | 70% | 5.68% | £0 | 6.62% |
| 95% | The Co-operative Bank | 70% | 5.57% | £999 | 6.62% |
| 95% fee free | The Co-operative Bank | 70% | 5.85% | £0 | 6.62% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The Co-operative Bank had a sample size of 69.
Use the table to see the two-year fixed-rate mortgages the Co-operative Bank is currently offering home movers with a 60%, 75% or 85% LTV.
To see how the Co-operative Bank compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 60% | The Co-operative Bank | 70% | 5.12% | £999 | 6.62% |
| 60% fee free | The Co-operative Bank | 70% | 5.48% | £0 | 6.62% |
| 75% | The Co-operative Bank | 70% | 5.21% | £999 | 6.62% |
| 75% fee free | The Co-operative Bank | 70% | 5.57% | £0 | 6.62% |
| 85% | The Co-operative Bank | 70% | 5.3% | £999 | 6.62% |
| 85% fee free | The Co-operative Bank | 70% | 5.63% | £0 | 6.62% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The Co-operative Bank had a sample size of 69.
The table shows the two-year fixed-rate deals the Co-operative Bank is currently offering remortgagers with a 60%, 75% or 85% LTV.
To see how the Co-operative Bank compares with other mortgage providers, visit our guide to the best mortgage rates, which is updated every day.
| 60% | The Co-operative Bank | 70% | 5.18% | £999 | 6.62% |
| 60% fee free | The Co-operative Bank | 70% | 5.48% | £0 | 6.62% |
| 75% | The Co-operative Bank | 70% | 5.24% | £999 | 6.62% |
| 75% fee free | The Co-operative Bank | 70% | 5.52% | £0 | 6.62% |
| 85% | The Co-operative Bank | 70% | 5.34% | £999 | 6.62% |
| 85% fee free | The Co-operative Bank | 70% | 5.67% | £0 | 6.62% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The Co-op Bank had a sample size of 69.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked the Co-operative Bank's mortgage customers about their experiences with the lender.
Here's how customers rated it in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. The Co-operative Bank had a sample size of 69.
I've had no problems but would prefer a better online platform to be able to view my balance and make overpayments easier
We not only produce customer scores and star ratings, but also collect comments from real customers.
Most comments about the Co-operative Bank were positive. Many customers told us they had never had any issues with the lender. Others praised its 'low fees'.
When we checked in September 2026, there were 123 mortgages available from the Co-operative Bank. Most of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
The Co-operative Bank mortgages had initial periods of two and a half, three or five and a half years.
A smaller number of mortgages offered by the Co-operative Bank were tracker deals.
The Co-operative Bank doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
The Co-operative Bank offers a range of fixed-rate mortgages with lower rates for homes with an EPC rating of A or B.
All of the Co-operative Bank's mortgages have a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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