Co-operative Financial Services Mortgages offers a full range of mortgages for residential, buy to let and older applicant mortgages up to 95%LTV.

What are the mortgage products Co-operative Financial Services offer? 

Co-operative Financial Services offers various financial products including credit services, debit options, digital card issuance, and digital wallets.

How can I apply for a Co-operative Financial Services product?

Co-operative Financial Services products can be arranged via a broker or direct at their website. 

Can Co-operative Financial Services help residential mortgage customers?

Co-operative Financial Services offer residential mortgages on fixed or variable rates with up to 95% LTV. 

Can Co-operative Financial Services help Self-employed mortgage customers?

Co-operative Financial Services will accept mortgage applications from the self-employed and will use the average income as evidenced by the last 2 years accounts.

Can Co-operative Financial Services help first time buyer mortgage customers?

Co-operative Financial Services offer first time buyer mortgages with a range of fixed and variable rate options.

Can Co-operative Financial Services help adverse mortgage customers? Or customers with poor credit rating?

Co-operative Financial Services can accept clients with some poor credit depending on their criteria but not bankruptcy or unsatisfied CCJ.

Can Co-operative Financial Services help later life or retired mortgage customers?

Co-operative Financial Services do offer mortgages to retired applicants subject to conditions, up to a maximum age of 75 at the end of the mortgage term.

Can Co-operative Financial Services help with second charge mortgages, secured loan or homeowner customers?

 Co-operative Financial Services offer additional borrowing for home improvements and second charge. 

Can Co-operative Financial Services help buy to let mortgage customers?

Co-operative Financial Services offer buy to let mortgages for those of a minimum age of 21 at application and maximum age is 75 at the expiry of the mortgage term. 

Can Co-operative Financial Services help limited companies buy to let mortgage customers?

Co-operative Financial Services do not offer buy to let mortgages to portfolio landlords.

Can Co-operative Financial Services help with commercial or short-term mortgage customers?

Co-operative Financial Services do not allow commercial properties to be mortgaged under their terms. 

What Credit scoring agency does Co-operative Financial Services use?

Co-operative Financial Services uses Experian credit reference agency.