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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.

Your mortgage utility belts

Choose from our range of belts below, then either swipe through or use the arrows to find everything you'll need to help your client.

Daily Mortgage Surgery

Daily meetings to discuss your complex cases

No computer credit scoring

Lack of credit history? We could help

Self-employed

Mortgages for all types of self-employed.

Later life lending

A range of options to help your client borrow in later life including interest only borrowing in retirement with no term or upper age limit

Contractors

Employed and self-employed fixed term contractors

Mortgages for professionals

Mortgages for professionals

Joint Borrower Sole Proprietor mortgages

Joint Borrower Sole Proprietor mortgages are here to help your clients gain a foothold on the property ladder.

Your affordability calculator

How much can your clients borrow?

House purchase products

Lending for intermediaries

Remortgage products

Lending for intermediaries

Your affordability calculator

How much can your clients borrow?

Get a decision in principle

Get a quick lending decision

Our mortgage application process

Everything you need to apply

Intermediary registration

Intermediary registration

Residential lending criteria

Our residential lending criteria

Frequently asked questions

Need an answer to your query? Try our FAQ page

Intermediaries: Mortgage Product Guides

Our mortgage products guides are available to download below. Simply, click on the guide you want for a PDF download.

Coronavirus Update

Coronavirus Update

As the situation with regards to the Coronavirus (COVID-19) Pandemic continues to evolve we wanted to reassure you that we are very much still open for business.

We are following Government Guidelines and our contingency planning is enabling us to ensure continuity of service to you and your clients.

  • Intermediary Support: our telephone BDM team are here to support you via phone and email. You can contact the team directly on 0121 521 4000 or email newbusiness@thetipton.co.uk

We also have our BDM’s who are available via the phone or e-mail and their contact details together with the postcode areas they cover are detailed below:

Paul Sawford: 07395 790267 – paul.sawford@thetipton.co.uk

Postcodes: CM-SS-WD-HA-UB-TW-KT-EN-IG-RM

Phil Lawford: 07719 570123 – phil.lawford@thetipton.co.uk

Postcodes: B-CV-DY-WV-WS-ST

Existing member support

Every member will have individual needs and challenges, we’ll listen to their situation and work with them to look at what steps we can put in place, we’re here to help and they can contact us via this link: https://www.thetipton.co.uk/contact-us/


Service Level Agreements

We aim to give you a lending decision within 48 hours of receipt of a completed decision in principle.

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.

Current service levels

Average decision in principle response time last week:
48 hours


Sourcing tips

These tips are for guidance only and should not be relied upon to satisfy your own compliance check.

Our products can be sourced on Mortgage Brain, Trigold Prospector, and Twenty7Tec.

If your search is criteria led then we would recommend including variable and discount rate products within your search to ensure our full product range is detailed for your consideration.

Our standard residential and buy to let products are available to whole of market. We also have intermediary exclusive products available via the following networks and clubs:

Mortgage networks
Intrinsic; Mortgage Intelligence; Primis; Sesame; Tenet; and The Right Mortgage.

Mortgage clubs
L&G; MCI; Paradigm; PMS; SimplyBiz; Brilliant; and TMA.

 


Times when we cannot assist

Whilst we will always do our best to be flexible and help you and your client, there may be occasions when we are simply unable to assist.

We know that your time is valuable and that is why we feel it's beneficial to be open and transparent about this.

Unacceptable criteria:

  • Any form of commercial lending;
  • Any non-standard construction;
  • Any property within a licensed or selective licensed area;
  • Local authority flats, flats in blocks of more than five storeys or flats above commercial premises;
  • Clients that have previously undergone a mortgage repossession;
  • Clients that have been registered as bankrupt or have an IVA, and the discharge period is less than six years;
  • Clients that have a CCJ that has been registered or satisfied within the last three years;
  • Clients with defaults that have not been satisfied at least 3 months prior to application; and
  • If your client is a non-EU citizen without permanent right to reside.

If you're unsure if your case fits our criteria please do get in touch.

This is not an exhaustive list.


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