Tipton & Coseley Mortgages

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Last updated on 22 March 2021.

Tipton and Coseley Building Society Mortgages FAQ

What is Tipton and Coseley Building Society?

Tipton and Coseley Building Society, founded in 1901, is a building society rather than a bank, meaning it is owned by its own members. It provides a wide range of mortgage products for people at different stages of life.

What are the different types of Tipton and Coseley mortgages?

Mortgages provided by Tipton and Coseley Building Society include:

  • Homebuyer mortgages
  • Family assist mortgages (with 100% assistance)
  • Retirement interest-only mortgages
  • Over-55s mortgages

What is a ‘family assist’ mortgage?

Family assist mortgages are provided to allow members of one family to take out a mortgage without a deposit. Parents can help children take out a mortgage worth 100 percent of a property’s value, while accepting a 20 percent charge on their own properties, or simply putting 20 percent of the amount borrowed into a Family Assist savings account.

What kind of homebuyer mortgages do Tipton and Coseley offer?

You can find an array of homebuyer mortgages, including discount mortgages, where the Society offers a low initial rate, pegged at a rate below their standard variable rate. Not only that, but you can also acquire fixed mortgages, where interest is fixed at one level for the first few years of your term.

What kind of LTVs can I find on Tipton and Coseley mortgages?

LTV or loan to value, denotes the size of the mortgage loan relative to the value of the property. Many of Tipton and Coseley’s homebuyer mortgages offer LTVs of 75 percent, meaning you would be expected to provide a deposit of 25 percent, to plug the remaining proportion of your property’s value, when seeking to buy the property.

What are the average Tipton and Coseley mortgage rates?

Interest rates on any society’s mortgage products can vary, depending on a wide range of factors, including the size of the loan, how long you would like to pay it back over and what kind of deposit you are in a position to offer. Credit ratings can also impact interest rates, as poor scores denote higher risk and may lead to you being charged higher rates.

Why does mortgage interest matter?

Interest matters because lower rates can make paying back your mortgage much easier. Finding the deal that best-suits your finances, reduces the risk of you making late payments or facing any penalties down the road.

Why should I seek Tipton and Coseley mortgage reviews?

Seeking reviews for mortgage products is generally a sensible approach, as a spot of due diligence helps unravel whether societies are a good match for you with the deals they offer. On the Tipton and Coseley Building Society site, they provide testimonials, while other sites including Smart Money People allow customers to give easy-to-find reviews.

Services offered by this provider may change over time. Always check Ts&Cs.

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