Mortgages

Mortgages you can feel comfortable with

Discount Rate

until 30 November 2012

Choose to discount your initial mortgage payments.

Call 0800 833853 for a decision in principle

Maximum Loan to Value 75%
2.00% discount to 30/11/2012 Reverting to a variable rate of The overall cost for comparison is
2.99% variable 4.99% variable 4.7% APR

Maximum Loan to Value 80%
1.75% discount to 30/11/2012 Reverting to a variable rate of The overall cost for comparison is
3.24% variable 4.99% variable 4.8% APR

Maximum Loan to Value 85%
1.00% discount to 30/11/2012 Reverting to a variable rate of The overall cost for comparison is
3.99% variable 4.99% variable 4.9% APR

Mortgage intermediaries should refer to the Mortgage Intermediaries page for product availability.

Key features
Property location The property must be located within one of the following Midlands counties - West Midlands, Staffordshire, Shropshire, Derbyshire, Nottinghamshire, Leicestershire, Warwickshire, Herefordshire, Worcestershire, Oxfordshire, Northamptonshire and Gloucestershire unless the customer is an existing borrower. Existing borrower applications are considered nationwide up to 85% loan to value.
Higher lending charge We cover the cost of any higher lending charge.
Early repayment charge An early repayment charge applies during the discount rate period.
Arrangement fee An arrangement fee of 0.4% of the advance is payable and must be added to the loan.
Minimum loan The minimum amount that you can borrow is £30,000.
Maximum loan The maximum amount that you can borrow is subject to certain limits if your loan to value is over 75%.
Payment method Monthly repayments must be made by direct debit.
Mortgage repayment terms Terms available from 5 years to 40 years.
Insurances Buildings insurance is conditional but is not a compulsory tied product.
Interest calculation Interest is calculated daily and added to the account.

Further information

Your home may be repossessed if you do not keep up repayments on your mortgage.

The product detailed above may be withdrawn at any time without prior notice.

Choose your mortgage

Mortgage Intermediaries:
Mortgage Intermediaries
Fixed Rates:
2 Year Fixed
Discount Rates:
2 year Discount | 3 Year Discount
Trouble Free Remortgage:
2 year Discount | 3 Year Discount
90% Loan To Value Discounts:
2 Year Discount | 3 Year Discount
Shared Ownership:
2 Year Fixed | 2 Year Discount
Family Assisted:
2 Year Fixed | 2 Year Discount
First Time Buyers:
2 Year Fixed
Step By Step Guides:
Buying your first home | Moving home | Remortgaging | Borrowing extra funds | Rate switching
Other Information:
Can't pay your mortgage? | Jargon Buster | FAQ's | Valuation Fees | Tariff of charges
© The Tipton and Coseley Building Society 2009
www.thetipton.co.uk
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