Tipton & Coseley are a successful Building Society based in the West Midlands. We lend across England & Wales and offer a wide range of residential and Buy to Let mortgages.


  • Manual Underwriting
  • No Credit Scoring
  • Standard 4.49x LTI applies (loans not deducted from multiple)
  • Joint Borrower Sole Proprietor
  • Long term contractors (CIS) underwritten on against gross income
  • Holiday Homes – for personal use with ability to arrange short term lets accepted
  • Interest Only – Up to 60% LTV with downsizing as the repayment vehicle.
    • Up to 75% with a recognised repayment vehicle.
  • Later Life Lending – We lend both IN and INTO retirement.
    • We can lend up to an applicant’s 95th birthday
    • We also offer Retirement Interest Only mortgage (RIO)
    • We will consider lending on retirement homes for the over 55’s
  • Family Assist – This product offers applicants up to 100% LTV with family assistance.


Products from Tipton & Coseley can be accessed by using Dynamo for Intermediaries as your payment route or you can choose our expert packaging service. Please contact us for further details.

Proc Fees

Product Type Gross % Net %
Residential - Packaged 0.80% 0.40%
Buy to Let - Packaged 0.80% 0.43%
Residential 0.42% 0.40%
Buy to Let 0.45% 0.43%