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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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The Co-operative Bank was recently purchased by Coventry Building Society and has strong ethical policies.
Here, you can find out what Co-op Bank mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Co-op Bank mortgage rates on the market right now.
This article is for information purposes only and does not 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-op Bank customer views
We've asked 49 Co-operative Bank mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Co-op Bank's rates to work out if it's a lender that offers competitive deals.
The Co-operative Bank placed in the bottom quarter of our customer satisfaction table. Despite this, it earned four stars for customer service and five stars for its clarity of mortgage statements. Our interest rate analysis found that other mortgage lenders were more likely to offer competitive rates.
71%
out of 21 mortgage lenders ranked on customer score
To see how Co-op Bank compares to other mortgage providers, head to our guide to the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Co-op averaged just 1.9 appearances per week, which means other lenders typically offered a better rate during our analysis.
You can see the mortgages Co-op Bank is currently offering first-time buyers, home movers and remortgagers in the tables below.
To see how Co-Bank compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | The Co-operative Bank | 71% | 4.32% | £999 | 6.87% |
| 80% fee free | The Co-operative Bank | 71% | 4.58% | £0 | 6.87% |
| 90% | The Co-operative Bank | 71% | 4.6% | £999 | 6.87% |
| 90% fee free | The Co-operative Bank | 71% | 4.7% | £0 | 6.87% |
| 95% | The Co-operative Bank | 71% | 4.77% | £999 | 6.87% |
| 95% fee free | The Co-operative Bank | 71% | 4.91% | £0 | 6.87% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The Co-op Bank had a sample size of 49.
| 60% | The Co-operative Bank | 71% | 4.02% | £999 | 6.87% |
| 60% fee free | The Co-operative Bank | 71% | 4.34% | £0 | 6.87% |
| 75% | The Co-operative Bank | 71% | 4.02% | £999 | 6.87% |
| 75% fee free | The Co-operative Bank | 71% | 4.34% | £0 | 6.87% |
| 85% | The Co-operative Bank | 71% | 4.13% | £999 | 6.87% |
| 85% fee free | The Co-operative Bank | 71% | 4.44% | £0 | 6.87% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The Co-op Bank had a sample size of 49.
| 60% | The Co-operative Bank | 71% | 3.93% | £999 | 6.87% |
| 60% fee free | The Co-operative Bank | 71% | 4.27% | £0 | 6.87% |
| 75% | The Co-operative Bank | 71% | 4.14% | £999 | 6.87% |
| 75% fee free | The Co-operative Bank | 71% | 4.31% | £0 | 6.87% |
| 85% | The Co-operative Bank | 71% | 4.24% | £999 | 6.87% |
| 85% fee free | The Co-operative Bank | 71% | 4.57% | £0 | 6.87% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The Co-op Bank had a sample size of 49.
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 Co-op Bank 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) | n/a |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The Co-op Bank had a sample size of 49.
We not only produce customer scores and star ratings, but also collect comments from real customers.
The majority of comments about Co-op Bank were positive. Many customers told us they had never had any issues with the lender.
The customer service offered by Co-op Bank was described as 'excellent' by multiple respondents, with another comment stating it is 'friendly' and 'very helpful'.
One respondent who described the customer service as 'excellent' also thought 'more branches would be useful'.
When we checked in September 2025, there were 116 mortgages available from Co-op Bank. The vast majority of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Co-op Bank mortgages had initial periods of two and a half, three and half or five and a half years.
A smaller number of mortgages offered by Co-op were tracker deals.
Co-op 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-op Bank offers a range of fixed-rate mortgages with lower rates for homes with an EPC rating of A or B.
All of Co-op Bank's mortgages have a maximum term length of 40 years.
Why should you trust Which? research? 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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