The banks are under obligation to offer the typical rate to I believe 66% of successful applicants with the other 33% getting varying rates. This has always been the case. What you have experienced with the Co-op is no different to what countless others have with all the banks. As frustrating as it is its simply the way it works.

I would suggest many, many people with a "good" experian score wouldnt even get offered a loan based on other criteria.

Eco