Tipton and Coseley

Tipton are a successful independent Building Society, who are committed to offering a highly efficient and personal customer service and developing strong working relationships with brokers. This is achieved by offering a combination of competitive mortgages and common sense underwriting.

Through AToM, you have access to a number of exclusive products which offer enhanced criteria, over our standard lending criteria. These include:

**Ltd Edition High Income Multiples**
Only 1 million tranche available act fast to secure your client's loan!

  • Up to 6x income available!
  • No minimum income!
  • Up to 85% LTV
  • Rates from just 2.89%
  • Available for purchase and remortgage
  • Free valuation and free standard legals on remortgages

**Retirement Interest-Only (RIO) Range through AToM**

  • Up to 60% LTV
  • No maximum age (min age 55 at application)
  • Free standard valuation and free legals on all remortgages
  • Rates from 3.34%
  • Lending on Retirement Properties available

**Limited Edition: Exclusive Residential Range Through AToM**

  • Rates starting from 2.29%!
  • Up to 95% LTV
  • 0.45% Cashback available on Purchases
  • Free standard valuation, Free Legals available on remortgages
  • Arrangement Fee Free products available
  • Minimum valuation of 75,000
  • Loans up to 350,000
  • Available for purchases and remortgages

Joint Borrower Sole Proprietor (JBSP)

Tipton now offer a joint borrower sole propietor proposition across all of their residential mortgages. This scheme allows 2 applicants on the mortgage where only one is intending to ocucpy the property on completion. The second applicant must be an immediate family member e.g. parent or child.

Buy to let

  • Up to 70% LTV
  • Arrangement fee free products available
  • Free standard legals and Free standard valuation (up to £400K) on remortgages
  • ERC free products available
  • 2 and 5 year discount rates available
  • 3 and 5 year fixed rates available
  • Rates from 2.69%
  • Loans up to 350,000

Holiday Let Range

  • Available on short-term lets and AirBnB lettings
  • Up to 75% LTV
  • Rates from 2.74%
  • Available on Purchases and Remortgages
  • Arrangement Fee free options with No ERCs available
  • Free Valuation and Free Legals on Remortgages
  • Single dwellings only (no multiple lets)

Shared Ownership

  • Available up to 90% of the applicant's share price
  • Rates starting from 3.24%
  • Loans up to £250,000

Lending into Retirement

  • Available to applicants age 55 and over
  • Rates starting from 2.54%
  • Available up to 60% LTV
  • Available on remortgages
  • No Arrangement Fee
  • Free standard legals on remortgages
  • Loans up to £1,000,000

Family Assist Product

  • A collateral charge is taken out against family member's property (min 40% equity required) [additional valuation required]
  • Available up to 100% LTV
  • 3.49% discounted for the term of the mortgage
  • Loans up to £400,000
  • No ERCs and No Product Fee

Reasons to use Tipton

  • Up to 95% LTV available
  • Rates Starting from 1.99%
  • No credit scoring
  • 1 default considered up to 100
  • New Build Flats accepted up to 85% LTV
  • Concessionary purchase from family member accepted with no deposit required (min 25% discount)
  • Long term Sub-Contractors assessed as "employed" (subject to criteria)

To discuss Tipton call out sales team on 01403 272625 (option 2) or email us at sales.team@atomltd.co.uk

Tipton & Coseley

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Contact Details


All Types of Mortgages Limited
AToM House
24 Carfax

Horsham,
West Sussex
RH12 1EB
Phone: 01403 272625