Tipton Intermediary Area

Our mortgage application process

Everything you need to apply

Get a decision in principle

Get a quick lending decision

Getting in touch

Speak to one of our Business Development Team today, here to help you with any queries.

Here to help you


  • New enquiries: 0121 521 4000
  • New enquiries: newbusiness@thetipton.co.uk
  • Case updates: 0121 521 4078
  • Case updates: mortgagedepartment@thetipton.co.uk

Frequently Asked Questions

What is your lending area?

We lend on properties located across England and Wales. The minimum property valuation is £100,000. This increases to a minimum valuation of £250,000 if the property to be mortgaged is located within the M25 corridor.

We are unable to accept applications on properties located in Scotland, Northern Ireland or the Isle of Man.

How do I get an update on my case?

If you've submitted a full application and know the name of your designated Case Officer please call us on 0121 521 4078 and ask for your Case Officer, who'll be happy to help. If you're at the decision in principle stage of your application please call our Business Development Team on 0121 521 4000 or email newbusiness@thetipton.co.uk.

How do I submit business?

You will need to register with us when you are ready to submit your first decision in principle.

You can access our online form from our decision in principle page. Alternatively you can download a pdf form to complete, we'll require a scanned copy to be emailed to newbusiness@thetipton.co.uk. You're able to sign on behalf of your client at this stage.

When we receive your completed decision in principle form, we aim to get back to you within 48 hours with an initial lending decision.

If there's any supporting documents you need to send to us, you can attach these to the application using the attachment buttons in the additional information section.

At the end of the form ensure your electronic signature has been entered and click 'Finish' to send the application direct to your client for them to add their own electronic signature. The submission process will not be complete until your clients have signed the form. You're able to save a copy of the form for your own records.

Electronic signatures will enable us to begin processing your application however we'll require a completed Direct Debit form to be sent to us by post at our Tipton head office.

If you've previously completed a paper-based decision in principle for your client or if you'd prefer to complete our paper-based application, you can download copies of our PDF forms.

When you're ready to submit an application with us, complete the form and scan a copy into us at newbusiness@thetipton.co.uk. If you send an electronic copy, we'll require the original signed document to be posted to us to confirm your clients signatures on the application form.

What are your service level agreements?

We aim to give you a lending decision within 72 hours of receipt of a completed decision in principle.

We aim to respond back to you within 48 hours, for day one assessments for new applications.

Pre-offer post and email communication response times are currently 4 working days.

Your full mortgage application is passed to our mortgage processing team once we have received all supporting documents requested when approving your decision in principle. Your application will be assigned a Case Officer and they will contact your client to arrange payment of any appropriate fees before instructing the valuation. They will also email you directly to introduce themselves and detail any outstanding requirements prior to mortgage offer.

Average time for initial assessment:
48 hours

Getting in touch

  • Discuss our lending criteria
  • Discuss a case
  • Submit a DIP
  • Complete an application form
0121 521 4000*
Our lines are open:
Monday - Friday9:00 - 17:00
Saturday - SundayClosed
*Calls from landlines are charged at the standard rate. Calls from mobiles may vary.

Meet the Team: Paul

Paul Sawford

Areas covered: CM, CO, EN, HA, IG, KT, RM, SS, TW, UB, WD, EC, E, N and W

Phone: 07395 790267
Email: paul.sawford@thetipton.co.uk

Meet the Team: Debbie

Debbie Holmes

Areas covered: CV, B, WS, WV, DY, ST, WR, GL, BS, DE, LE and NG.

Phone: 07593 549745
Email: debbie.holmes@thetipton.co.uk

Meet the Team: Mario

Mario De Wet

Areas covered: TF, CW, CH, SK, S, DN, LN, WA, WF, LS, HX, HD, OL, WN, BL, L and M

Phone: 07736887155
Email: Mario.DeWet@thetipton.co.uk

Meet the Team: Alex

Alex Poole

Telephone BDM Supervisor

Areas Covered: BN, RH, CT, TN, ME, PO and BH 

Phone: 0121 521 4000
Email: alex.poole@thetipton.co.uk

Meet the Team: Joanna

Joanna Ridgway

Key Account Manager

Areas Covered: AL, GU, HP, LU, NN, MK, OX, RG, SG, SL, SO, WC, NW, SE, and SW

Phone: 07593 557578
Email: joanna.ridgway@thetipton.co.uk

Meet the Team: Andy

Andy Millard

Head of Intermediary Distribution 

Phone: 07936 964325

Email: Andy.Milliard@thetipton.co.uk


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