Tipton and Coseley: Mortgage Lender

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Tipton and Coseley

Founded in 1901 and now based in the West Midlands this society concentrates upon providing savings and mortgage products. As a mutual society they are not answerable to shareholders but must report to their members and consult them on bigger decisions that affect its constitution. For home owners there are over 20 different mortgage products available including fixed rate, family assisted and shared ownership so there are options available for all borrowers. Most products require that the property is in the Midlands Counties.

first time buyers can apply for a fixed rate
existing and new customers can transfer their mortgage product to one that may suit them better or offer a lower rate.

Interest will be calculated daily and added to the capital amount. Building insurance is compulsory but does not need to be taken with The Society.

Tipton and Coseley Mortgage Products

2 Year Fixed Rate mortgages: Available for up to 85% of the value of the property, your monthly repayments will remain the same throughout the term of the agreed period and thereafter switch to the Standard Variable Rate. The minimum loan is £30,000 and the arrangement fee of 0.4% must be added to the loan. Early repayment fees will apply if you pay off the loan before the end of the fixed rate period.

Maximum Loan to Value Discount mortgage: With up to 90% of the value of your property available to borrow, this product will give a discount on the Standard Variable Rate for an agreed period of time.

If you repay your mortgage during the discount rate period, you will be charged an early repayment fee.

First Time Buyer mortgage: This offers a two year fixed rate so that you can plan your outgoings during the first years of being a home owner. The minimum loan is £25,000 and the maximum is £200,000. Early repayment of the loan during the fixed rate period will incur a penalty fee.

If you are interested in a mortgage quotation including those offered by Tipton & Coseley please complete our quick enquiry form.

Tipton and Coseley Mortgage Rates

Mortgage Type	Initial Rate	Subsequent Rate	APR	Max LTV	Fees & Charges
2 Year Fixed Rate	5.79% Fixed	4.99% Variable	5.3%	85%	0.4% of the loan amount
Maximum Loan to Value Discounted Rate	4.59% Variable	4.99% Variable	5.0%	90%	0.4% of the loan amount
First Time Buyer 2 Year Fixed Rate	6.69% Fixed	4.99% Variable	5.5%	90%	0.4% of the loan amount