Co-op Bank launches sub-4% mortgage rate at 80% LTV

The lender has joined the sub-4% mortgage market following its latest round of rate reductions.

Related topics:  Mortgage rates,  Co-operative Bank
Rozi Jones | Editor, Financial Reporter
15th August 2025
Co-operative Bank

The Co-operative Bank for Intermediaries has cut selected residential rates by up to 10bps and buy-to-let rates by up to 12bps. 

As a result, it is offering several rates below 4%.

These include a two-year fixed rate at 80% LTV, available at 3.97% on a minimum loan size of £750,000 with a £1,999 fee.

For residential remortgage, the lender is offering a two-year fix at 3.85%, available up to 60% LTV with a £999 fee.

Fred Sharp, director of intermediary distribution at The Co-operative Bank, said: “It’s great to see sub-4% rates are becoming more of a permanent fixture in the market. 

"We hope brokers can take this opportunity to support their clients, whether they are looking to remortgage or buy a new home”.

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