3 year fixed 75% LTV

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.

Our tariff of mortgage charges details the costs your clients will incur for a standard mortgage valuation. They can choose a more detailed homebuyers report, the costs for which are available by calling 0121 521 4000.

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.

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.

The minimum age for a mortgage applicant is 18 years. 

If you are employed or self-employed, standard underwriting will apply where the mortgage term does not extend beyond the state pension date of the highest earning applicant.

We can consider applications where the term will extend beyond the state pension date of the highest earner or where all applicants are already retired and in receipt of pension income however we will require additional criteria to be satisfied.

For more detail you should speak with one of our Mortgage Advisers. Please call 0121 557 2551 or visit one of our branches to book an appointment or complete our online form.