Intermediary FAQs

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 and will find our registration form included on the first page. Upon receipt we will conduct 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 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, see our residential submission guide which details all supporting documents needed to support an 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. 

If you've submitted a full application please call us on 0121 521 4078 where our Mortgage Processing Team will be happy to help.

If you're at the decision in principle stage of your application please call our Business Development Team on 0121 521 4000 or email newbusiness@thetipton.co.uk.

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.

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. Alternatively you can forward payment by cheque to our Tipton Head Office.

You can obtain an ESIS from the Mortgage Sourcing Platforms. 

Alternatively, if you are unable to locate one of our products on the sourcing platforms, you can request an ESIS by sending an email to us at newbusiness@thetipton.co.uk, with the following details:

• Your company name along with your FCA number, email address and a contact telephone number;
• Your client(s) name(s);
• The product you're interested in;
• The mortgage amount and purchase price;
• The valuation type required;
• The term your clients would like their mortgage over;
• Details of any fees you are charging; and
• Details of selected payment route for procuration fee.

Once we have completed your ESIS we will send it to you via email (please note this can take up to 24 hours). 

Procuration fee payments are made within the first 14 days of the month following completion of your mortgage case. All payments are sent by BACS transfer and statements are emailed to your Network or Club to confirm actual payment date each month. 

When we've issued your client with a mortgage offer this is valid for six months.