Britannia Building Society, as a standalone mortgage brand for new customers, no longer exists. It has been fully integrated into The Co-operative Bank.
While Britannia was once one of the UK's largest and most respected building societies, its branches, services, and mortgages have all been brought under The Co-operative Bank brand. This means if you are looking for a new mortgage today, you will be applying to The Co-operative Bank.
You can view the latest rates available from The Co-Operative Bank and compare them against the rest of the market using our free mortgage sourcing tool below:
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Who were Britannia Building Society?
Founded in 1856, Britannia had a long and proud history as a mutual institution, owned by and run for its members. For generations, it was a trusted high-street name for savings and mortgages, known for its community focus and personal service.
In 2009, Britannia merged with The Co-operative Bank in a major deal that created a new "super-mutual." However, over time, the decision was made to retire the Britannia brand for new business and operate solely under The Co-operative Bank name.
I'm an Existing Britannia Mortgage Customer. What Does This Mean?
If your mortgage was originally taken out with Britannia, there's no need to worry. Your mortgage is secure, but it is now managed by The Co-operative Bank.
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Your Deal is Unchanged: The interest rate and the terms and conditions of your current mortgage deal remain exactly the same until the initial period ends.
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Customer Service is from The Co-operative Bank: All your annual statements, queries, and support for your mortgage will now be handled by The Co-operative Bank.
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Choosing a New Deal: When your current fixed or tracker rate ends, you will be offered a "product transfer" to switch to a new mortgage deal from The Co-operative Bank's product range.
Compare today's best mortgage rates
We work with 90+ UK mortgage lenders, including Britannia. You can use our service to compare mortgage rates from across the market to find the right deal.
Our mortgage sourcing tool is FREE and will show you the latest deals from Britannia and others so you can make an informed decision about which to choose.
Click the button below to get started comparing the entire market for free.
Pros and Cons of the Change
Pros:
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Ethical Focus: Customers are now part of a bank with a publicly stated and long-standing ethical policy.
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Access to Full Banking Services: You can now access a wider range of financial products, including current accounts and loans, all under one roof.
Cons:
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Loss of a Mutual Brand: The historic, member-owned Britannia Building Society brand has disappeared from the high street.
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Shift in Structure: The business moved from a member-owned building society model to a bank structure.
So, How Do I Apply for a "Britannia" Mortgage?
You can no longer apply for a Britannia Building Society mortgage. Instead, you apply directly to The Co-operative Bank, which offers the full range of mortgages for the entire group.
The Co-operative Bank is a mainstream high-street lender known for:
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Its Ethical Policy: The bank has a clear ethical stance and will not invest in or provide services to businesses that conflict with its values.
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Mainstream Products: Offering a wide range of competitive mortgage deals for first-time buyers, home movers, and those looking to remortgage.
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Full Banking Service: As a full-service bank, it also offers current accounts, savings, and credit cards.
If you are looking for independent advice about whether The Co-operative Bank are the right mortgage lender for you, make an enquiry here and we’ll set up a free, no-obligation chat with a broker who specialises in their products and services.