Platform Intermediaries

Platform Intermediaries refers to the UK mortgage intermediary brand historically known as Platform Home Loans, operating within The Co-operative Bank’s intermediary channel. The business focuses on lending distributed exclusively through mortgage brokers and networks, providing residential mortgage products under regulatory oversight by UK prudential and conduct authorities. In recent years the intermediary proposition has been marketed as “The Co-operative Bank for Intermediaries,” reflecting a naming transition while continuing to serve broker partners with new-business origination, case tracking, and online broker tools. Operations lude underwriting, valuation processes coordinated with third-party providers, and servicing aligned to the bank’s risk appetite and capital framework. Governance priorities lude responsible lending standards, affordability assessment, anti-money-laundering controls, data protection, and adherence to the UK Mortgage Conduct of Business rules. The proposition is positioned around service consistency to intermediaries, transparent criteria, and end-to-end digital processing, with risk drivers that lude interest-rate movements, UK housing-market dynamics, and credit-risk performance across the originated book.