Welcome to The Tipton and Coseley Building Society
Turnaround times
Application to offer (post receipt of all documentation) average time
2 working days
Average time to initial assessment
2 working days
Live chat response rate
4 seconds
Intermediary help desk call pick up time
13 seconds
Our residential mortgage range
Our residential mortgage range
Available in England & Wales, a range of products and criteria that provide a mortgage solution to support first time buyers and home movers who don’t meet High Street lenders criteria or require a personalised underwriting approach.
Our Credit+ range
In addition to our standard range of residential mortgages, our Credit+ range can offer your first time buyer and home mover clients whose credit profile falls outside of our standard product terms a competitive mortgage solution.
Our family assist mortgage
Available in England & Wales for first time buyers & home movers. We offer a 100% LTV mortgage with the required support of family members. This is either through their savings or a collateral charge on their existing residential property.
Our mortgages into retirement range
Available in England & Wales for first time buyers and home movers for customers already in retirement or looking to borrow into retirement. Our RIO range requires customers to make interest only payments each month, with the loan amount only being repaid when a specific life event occurs.
Our self and custom build mortgages
Available in England & Wales and is in partnership with BuildLoan, giving first time buyers, and home movers the opportunity to build their own home.
Our shared ownership mortgage range
Available in England for first time buyers, home movers and is available up to 95% of the share (75% LTV) on qualifying properties.
Our residential ex-pat mortgage range
Available for first time buyers and home movers. This range is for applicants who are living/working abroad in in one of our recognised countries and are also paid in one of our acceptable overseas currencies.
Our high income multiple mortgage range
Our Higher Income Multiple (HIM) mortgages give applicants the ability to enhance their borrowing up to 6.5 times income, helping them achieve their most important financial goals with the support of our personalised underwriting approach.
Our residential remortgage range
Available in England & Wales, a range of products and criteria that provide a mortgage solution to support residential remortgage clients who don’t meet High Street lenders criteria or require a personalised underwriting approach.
Our Credit+ range
In addition to our standard range of residential mortgages, our Credit+ range can offer your residential remortgage clients whose credit profile falls outside of our standard product terms a competitive mortgage solution.
Our remortgages into retirement range
Available in England & Wales for residential remortgages. This range is for customers already in retirement or looking to borrow into retirement. Our RIO range requires customers to make interest only payments each month, with the loan amount only being repaid when a specific life event occurs.
Our self and custom build remortgages
Available in England & Wales in partnership with BuildLoan, giving home movers the opportunity to build their own home.
Our residential ex-pat remortgage products
Available for home movers or residential remortgages. This range is for applicants who are living/working abroad in in one of our recognised countries and are also paid in one of our acceptable overseas currencies.
Our shared ownership remortgages
Available in England for home movers and is available up to 95% of the share (75% LTV) on qualifying properties.
Our high income multiple remortgage range
Our Higher Income Multiple (HIM) mortgages give applicants the ability to enhance their borrowing up to 6.5 times income, helping them achieve their most important financial goals with the support of our personalised underwriting approach.
Our buy to let mortgage range
Our buy to let limited company mortgage range
Available for applicants residing in the UK and is also available for Ex-pats living/working abroad. (Please note we do not accept applications for flats in London or for consumer BTLs).
Our ex-pat buy to let mortgages
Available to landlords who are living/working abroad, with no minimum income requirement. (Please note we do not accept applications for flats in London or for consumer BTLs).
Our buy to let limited company remortgage products
Available for applicants residing in the UK and is also available for Ex-pats living/working abroad. (Please note we do not accept applications for flats in London or for consumer BTLs).
Our ex-pat buy to let remortgages
Available to landlords who are living/working abroad, with no minimum income requirement. (Please note we do not accept applications for flats in London or for consumer BTLs).
Explore more
Our application process
Looking to submit a DIP or application? Find out more here.
Our application processProduct transfer
Product transfers are available for existing customers up to three months early.
Product transferOur mortgage products
View our range of mortgage products to find the best fit for your client.
Mortgage productsMeet the team
Alex Poole
Telephone BDM Supervisor
BN, RH, CT, TN, ME, PO and BH0121 521 4000alex.poole@thetipton.co.uk
Hardeep Bedi
Telephone BDM
NE, DH, SR, TS, YO, DL, HG and HU0121 521 4000hardeep.bedi@thetipton.co.uk
Paul Sawford
Field Based Business Development Manager
CM, CO, EN, HA, IG, KT, RM, SS, TW, UB, WD, EC, E, N and W07395 790267paul.sawford@thetipton.co.uk
Debbie Holmes
Field Based Business Development Manager
CV, B, WS, WV, DY, ST, WR, GL, BS, DE, PE, LE and NG07593 549745debbie.holmes@thetipton.co.uk
Mario De Wet
Field Based Business Development Manager
TF, CW, CH, SK, S, DN, LN, WA, WF, LS, HX, HD, OL, WN, BL, L, M and BD07736 887155mario.dewet@thetipton.co.ukJoanna Ridgway
Key Account Manager
AL, GU, HP, LU, NN, MK, OX, RG, SG, SL, SO, WC, NW, SE and SW07593 557578joanna.ridgway@thetipton.co.uk
Latest News from The Tipton
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