Rating based on 96 reviews

The Co-operative Bank

  • Home loans up to £25,000
  • Low-interest starting from 3.1%
  • Repayment up to 7 years

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Author The Co-operative Bank. Screenshot of The Co-operative Bank website.
[Accessed September 8, 2021]

About The Co-operative Bank

At The Co-operative Bank they believe that home loan products should be easy to understand, easy to access, and should allow you peace of mind.

Regulations in the financial and home loan industry are continuing to improve across the UK. The Co-Operative Bank is your professional resource in the financial and home loan industry.

A diverse range of home loan services

They offer a wide range of high street and internet banking, current accounts, savings accounts, credit cards, personal loans as well as home loans. Their clients are their priority, and they are in the business of building ongoing relationships with them.

Therefore they will think of your best interest, not of the bank. Since 1872 they have been priding themselves in the growth and experience that they have earned in their time of working in the mortgage industry.

Get the home loan you need 

They will work with you and assist with your administration. While they guarantee that they will help you to acquire a home loan that will suit your circumstances and needs. By all methods, please call their office for more data or elucidation about your own circumstances.


The Co-operative Bank Services

You will be surprised by the number of great ways your home loan can be overseen by them.

Many borrowers are not mindful of how the type of home loan you choose and how it is processed, can give you profits over other, less suitable alternatives. The Co-operative Bank is different.

First-time buyer home loans 

The Co-operative Bank offers a range of affordable and flexible home loan UK products for first-time buyers, home movers and those wishing to move their existing home loan to them, in hopes of getting a better deal.

The best home loan products for you

You can have access to 2, 3, and 5 year home loans with fixed or variable rates. Their home loan interest rates start from as low as 2,49%p.a. The setup fee for most home loans is £999, although this may vary depending on your home loan value ratio.

Convenient and reliable home loans

Whether you are a first home purchaser or a prepared investor and looking for a home loan, The Co-operative Bank has the capacity to give you comfort. Alongside giving incredible interest rates, boundless extra stores and redraw, they will give you customer service that you will esteem for the life of your home loan. Their industry-driving customer service is the thing that sets them apart from other home loan suppliers.

The Co-operative Bank – Home loan

  • Loan Type Home loans
  • Interest Rate 3.139.9% p/a
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Benefits of The Co-operative Bank

  • Apply online 
  • Get an instant response
  • Compare quotes and save time

Get a quick and convenient home loan at the Co-operative Bank

The Co-Operative Bank has platforms available where you can apply for a home loan online or contact them via a call with no additional fee. They have friendly employees on the other end of the line, waiting to assist you.

Access a home loan from a bank that is committed to you

They promise that it will not be difficult to work with them and that they will always go the extra mile for you. They are committed to listening to your needs and serving you with home loans that will suit you. Appealing interest rates are what they are there for, aside from serving you.

Easy steps on how to apply for your home loan

Step 1:

Open the application form, and enter your Full Name, Physical Address, Mobile Number and Email Address. After filling in your information, click submit.

Step 2:

They will then run your information through their security systems to verify your details and ensure that you are eligible for a home loan.

Step 3:

This step is where the outcome of your application for a home loan and how much you qualify for will be communicated to you.


  • 18 years of age and/or older.
  • A UK resident or Eu National.
  • Earn sufficient income to support your application.
  • Have no CCJs or IVA’s

Do not keep your dreams waiting, apply for an online home loan, now!

Applying for a home loan has never been this easy and convenient. The Co-Operative Bank exists to offer clients the best of the best through their value for money home loans. Your dream house is a few clicks away, secure it now!

Benefits of The Co-Operative Bank

  • Access competitively low home loan interest rates.
  • A quick and easy online home loan
  • Enjoy affordable Home Loan packages.
  • Work with friendly and passionate employees.
  • They’re trustworthy and dedicated to bettering your life.
  • Always easily accessible for assistance (online or telephonically).
  • They are genuinely there to help and make the process as hassle-free as possible.

An active online presence to assist you any time

Their site contains far-reaching data that ensures that you get the home loan you require. As a committed company to their clients, their staff, the earth, and community matters, The Co-operative Bank makes history in whatever they do.

man holding thumbs up

The Co-operative Bank is a trusted & reliable provider of home loans

In our review, The Co-operative Bank adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

The Co-operative Bank is a registered credit provider in UK: FSA 662079

Customer Reviews & Testimonials

October 2021

I do not put my trust in a Bank because I have been let down by many of them in the past, but The Co-operative Bank has made me believe again. They are the reason I have a beautiful house today.

Evans F
— Southampton —

October 2021

This Bank has the best home loans a broke hustling human can ask for. They have a way of making you feel like you can do the impossible.

Thompson H
— Plymouth —

September 2021

The Co-Operative Bank has opened possibilities for me that I had never thought would be possible.

Wilson J
— Coventry —

The Co-operative Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed