Intermediary FAQs

Our registration process is simple. There's no need to pre-register if you're sending us a decision in principle. We'll require a completed registration form to accompany your first submitted mortgage application. You can complete and sign the form and then email a scanned copy to us at newbusiness@thetipton.co.uk.

We always recommend that you initially complete a decision in principle which allows us to have a look over your case to see if your clients meet our lending criteria, and there's no need to register with us before submitting a 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 24 hours with an initial lending decision.

To submit an application using our online submission process you must have previously completed an online decision in principle.

We don't require you to enter any information you've previously provided in a decision in principle, so there's no time wasted duplicating data. 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.

If you've submitted a full application and know the name of your designated Case Officer please call us on 0121 521 4048 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.

We lend on properties located across England and Wales. The minimum property valuation is £75,000. 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.

After completing the initial assessment we'll contact your client directly to obtain their debit card details and arrange payment for any appropriate application fees. Alternatively you can forward payment by cheque to our Tipton Head Office.

To obtain an ESIS please email us at newbusiness@thetipton.co.uk with the following details:

• Your company name along with your FCA number, email address and a contact telephone number;
• Your client(s) name(s);
• The product you're interested in;
• The mortgage amount and purchase price;
• The valuation type required;
• The term your clients would like their mortgage over;
• Details of any fees you are charging; and
• Details of selected payment route for procuration fee.

Once we have completed your ESIS we will send it to you via email.

Procuration fee payments are made during the first week of the month following completion of your mortgage case. All payments are sent by BACS transfer, so please allow up to 5 days for any payment to reach your bank account.

When we've issued your client with a mortgage offer this is valid for six months.