Useful information for intermediaries

Our registration process is simple and there is no need to pre-register. If you're sending us your first decision in principle, you can simply register at the same time and will find our registration form included on the first page. Upon receipt we will complete onboarding checks and once these have been completed successfully we will process your decision in principle in accordance with our SLA's. There are no login details required and once you have been onboarded, you will remain so unless you have not submitted any business within the last 12 month period, at which point you will be required to re-register. 

We lend on properties located across England and Wales. The minimum property valuation is £100,000. This increases to a minimum valuation of £250,000 if the property to be mortgaged is located within the M25 corridor. Applications for Shared Ownership are only accepted for properties located in England only. 

We are unable to accept applications on properties located in Scotland, Northern Ireland or the Isle of Man.

We aim to give you a lending decision within 72 hours of receipt of a completed decision in principle.

We aim to respond back to you within 2 working days, for day one assessments for new applications.

Pre-offer post and email communication response times are currently 3 working days.

Your full mortgage application is passed to our mortgage processing team once we have received all supporting documents requested when approving your decision in principle. Your application will be assigned a Case Officer and they will contact your client to arrange payment of any appropriate fees before instructing the valuation. They will also email you directly to introduce themselves and detail any outstanding requirements prior to mortgage offer.

We always recommend 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. If you are not currently registered, or if you haven't submitted business with us within the last 12 months you will need to register with us, there are separate forms to be completed and you can simply do this at the same time as submitting your first decision in principle by completing the section included within the DIP form. You can access our online form from our decision in principle page. 

Once we receive your completed decision in principle form, we aim to get back to you within our prescribed SLA's 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 if you cannot complete the form in a single setting you can click the 'Finish Later' button at the top right hand side of the document and input your email address, this will email you a link to the part completed form, for you to access and complete in full before submitting. 

Please ensure you complete the 'Powerform Signatory Information' at the start of the document with both yours and all applicants' name and email addresses, this is to ensure upon submission the document is sent to all parties to digitally sign. If you have more than two applicants, you will need to complete another form with Applicant 3 and 4's details. 

If you have any supporting documents at this stage, they can be attached throughout the document. Alternatively, they can be emailed to mortgagedepartment@thetipton.co.uk. 

At the end of the form click 'Finish', this will send the application direct to your client(s) 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.

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.

Our valuation fee scale can be found by clicking here.  

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 will leave a footprint on your clients credit file.

Our New Business Team are available Monday to Friday, 9am until 5pm. To speak to our New Business Team please call 0121 521 4000, or email us on newbusiness@thetipton.co.uk. Alternatively, you can contact one of our Business Development Managers; Paul Sawford: 07395 790267, Debbie Holmes: 07953 549745, Mario DeWet: 07736 887155, our Key Account Manager Joanna Ridgway: 07593 557578, or our Head of Intermediary Sales Andy Millard: 07936 964325.

After completing the initial assessment we'll contact your client directly to obtain their debit card details and arrange payment for any appropriate application fees.