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Tipton & Coseley Building Society

The Tipton & Coseley Building Society is a UK building society based in the town of Tipton, in the West Midlands, where it was founded in 1901.

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Reason for mortgage
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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Discounted 31/01/2019
Initial rate
0.98%then 4.74% (variable)
Fees
£1,972fees
Overall cost
4.1%APRC
Monthly cost
£601.55 for 24 months then £885.11 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,698 includes: Loan amount (£160,000); Interest (£98,726); Application fee (£1,495); Valuation fee (£270); Legal fee (£117); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
0.99%then 3.69% (variable)
Fees
£2,051fees
Overall cost
3.3%APRC
Monthly cost
£602.27 for 24 months then £799.62 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,202 includes: Loan amount (£160,000); Interest (£75,151); Booking fee (£249); Application fee (£1,250); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 05/12/2018
Initial rate
1.09%then 3.69% (variable)
Fees
£1,707fees
Overall cost
3.3%APRC
Monthly cost
£609.54 for 24 months then £800.36 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 05/12/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,235 includes: Loan amount (£160,000); Interest (£75,528); Booking fee (£1,450); Valuation fee (£227); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.09%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.3%APRC
Monthly cost
£609.54 for 24 months then £800.36 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,079 includes: Loan amount (£160,000); Interest (£75,528); Booking fee (£99); Application fee (£900); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.09%then 3.69% (variable)
Fees
£1,301fees
Overall cost
3.3%APRC
Monthly cost
£609.54 for 24 months then £800.36 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Available for existing customers only
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £236,829 includes: Loan amount (£160,000); Interest (£75,528); Booking fee (£99); Application fee (£650); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/03/2019
Initial rate
1.09%then 3.69% (variable)
Fees
£1,551fees
Overall cost
3.3%APRC
Monthly cost
£609.54 for 24 months then £800.36 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Available for shared ownership
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/03/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £237,079 includes: Loan amount (£160,000); Interest (£75,528); Booking fee (£99); Application fee (£900); Valuation fee (£227); Legal fee (£295); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.14%then 3.74% (variable)
Fees
£1,480fees
Overall cost
0.1%APRC
Monthly cost
£152.00 for 24 months then £487.30 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £139,622 includes: Loan amount (£160,000); Interest (-£21,858); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.14%then 3.74% (variable)
Fees
£1,480fees
Overall cost
0.1%APRC
Monthly cost
£152.00 for 24 months then £487.30 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £139,622 includes: Loan amount (£160,000); Interest (-£21,858); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 28/02/2019
Initial rate
1.14%then 3.74% (variable)
Fees
£1,480fees
Overall cost
0.1%APRC
Monthly cost
£152.00 for 24 months then £487.30 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 28/02/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £139,622 includes: Loan amount (£160,000); Interest (-£21,858); Application fee (£995); Valuation fee (£450); Funds transfer fee (£35); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Discounted 31/01/2019
Initial rate
1.15%then 4.74% (variable)
Fees
£1,602fees
Overall cost
4.2%APRC
Monthly cost
£613.92 for 24 months then £886.48 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 65.0% loan-to-value (LTV) available.
  • Eligible for home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £261,005 includes: Loan amount (£160,000); Interest (£99,403); Booking fee (£130); Application fee (£995); Valuation fee (£270); Legal fee (£117); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Tipton & Coseley Building Society

Now housed in sophisticated purpose built head offices and with three other branches, it still remains a mutual organisation which prides itself on using profits to benefit its customers and members, while also keeping its business stable with a strong capital base. 

The Tipton & Coseley Building Society is a long-standing member of the Building Societies Association, the Council of Mortgage Lenders, the Financial Ombudsman Service and the Financial Services Compensation Scheme.

The Tipton & Coseley Building Society offers a wide range of mortgage products, including those designed for first time buyers, and also offer remortgages. They offer different discount mortgage schemes over periods of two to three years, and offer rates fixed for two years.

If you like the idea of getting your mortgage from a well established and stable, but small and friendly building society rather than a high street bank or online only lender, then the Tipton & Coseley may be a good choice, as they provide good value rates on their fixed term and discount mortgage products. 

As a building society that offers products specially designed to meet the needs of first time buyers, they can also be an option if you are looking to take your first step on the property ladder.

The Tipton & Coseley Building Society focuses on its core business offerings, which are largely mortgages, but can also offer household insurance, life assurance, tax free savings (ISAs), instant access savings, and savings accounts for children and young people.

While the Tipton & Coseley Building Society was founded for the local community and only has branches in the West Midlands, it is possible to contact them by phone or online, or buy their mortgages through one of their intermediaries. 

So even if it is not convenient for you to make it to a branch, if you think a mortgage from the Tipton & Coseley Building Society is the best deal available to you then you can still comfortably apply for one and manage it without having to visit a branch in person. 

This is the case with many smaller UK building societies, who now offer services outside of their original area thanks to the ease of communicating with customers online, and their networks of intermediaries.

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