Fresh Start - Floating

About Fresh Start - Floating

The Co-operative Bank's Fresh Start Floating rate is designed for borrowers rebuilding their financial standing. If you've been through a difficult period — such as bankruptcy, debt default, or adverse credit events — this product offers a way onto the property ladder that most mainstream banks won't provide.

The floating rate is the highest in The Co-operative Bank's range, but it offers full repayment flexibility and serves as a genuine second chance. The goal is typically to refix onto a lower-rate product once you've established a solid payment track record.