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 mil tranche available act fast to secure your client's loan!

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

Holiday Let Range Through ATom

  • Available on short-term lets and AirBnB letttings
  • Up to 75% LTV
  • 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)

**New Retirement Interest-Only 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 3.09%

Limited Edition: Exclusive Residential Range

  • Rates starting from 2.14%!
  • 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

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 2.49%
  • Loans up to 350,000

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
  • Rates starting from 3.24%
  • Loans up to £400,000
  • No ERCs

Shared Ownership

  • Available up to 90% of the applicant's share price
  • Rates starting from 2.99%
  • Loans up to £250,000

Lending into Retirement

  • Available to applicants already retired
  • Terms available up to 85 years old (oldest applicant)
  • Rates starting from 2.24%
  • Available up to 75% LTV
  • Available on purchases and remortgages
  • No Arrangement Fee on Retirement rates
  • Free standard legals on remortgages
  • Loans up to £450,000

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