Mortgage Prisoner 3 year discount

We aim to provide you with a lending decision within 24 hours of receipt of a completed decision in principle.

When we've received a fully packaged application we'll obtain any fees and instruct a valuation within one working day.

As we underwrite each case individually timeframes can change due to complexity and the amount of involvement needed in each case. Your mortgage Case Officer will give you more information when your application has been passed over to our Mortgage Processers.

On receipt of a fully packaged application we aim to get it to offer within 14 working days.

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.

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 will allow 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 will then require a scanned copy to be emailed to us at newbusiness@thetipton.co.uk. You are able to sign on behalf of your client at this stage.

Once we receive your completed decision in principle form, we aim to get back to you within 24 hours with an initial lending decision.

When you submit your request you'll need to provide your clients with a copy of our Privacy Notice. You can download a copy from our Privacy Notice page.

To submit an application using our online submission process you can visit our page here.  

Please be aware that you will not be able to save a part completed form so all information must be entered in a single sitting.

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 will be able to save a copy of the form for your own records.

Electronic signatures will enable us to begin processing your application however we will require a completed Direct Debit form to be sent to us by post at our Tipton head office. We also need you to provide your clients with a copy of our Privacy Notice which can be downloaded from our Privacy Notice page.

Please, see our residential submission guide which details all supporting documents needed to support an application. 

Please note, all nominated solicitors must be registered on our Panel, which is managed by LMS. You can check this on our Current Approved Solicitor Panel page by clicking here. 

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 will require the original signed document to be posted to us to confirm your clients signatures on the application form.

Alternatively, you can post it back to us at our Tipton Head Office. When you submit your first application we will need you to send us a completed registration form. We can accept a signed, scanned copy to our newbusiness@thetipton.co.uk inbox.

We don't credit score mortgage applications. All cases are underwritten on an individual basis by a real person. At decision in principle stage we'll complete a credit quotation and when a full application is submitted we'll carry out a full credit application that'll leave a footprint on your clients credit file.