Tipton & Coseley Building Society has added a second tier to its Credit Plus mortgage range, widening the reported criteria to include applicants with more complex credit histories. The expansion covers events such as arrears, late payments, county court judgments (CCJs), debt management plans (DMPs) and defaults—but none guarantees acceptance. Each application is assessed individually.
What the second tier changes
A trade report published by The Intermediary on 11 September 2026 says Tipton added the tier to extend the range to borrowers with more complex credit histories, including arrears, late payments, CCJs, DMPs and defaults. Credit Plus is intended for applicants whose credit profiles fall outside Tipton’s standard product terms.
The launch report describes the types of credit events the expanded range may consider; it does not set out an automatic route to approval for anyone with one of them. Tipton says a dedicated team underwrites applications individually. Andy Millard, the society’s head of mortgage distribution, told The Intermediary: “At the Tipton, we manually underwrite each case and take a bigger picture approach to our lending.”
Which Credit Plus products are listed?
Tipton’s intermediary pages list Credit Plus products for both home purchases and remortgages. The purchase examples below were listed on 4 October 2026; rates and terms are subject to change, and Tipton warns that products may be withdrawn.
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| Purchase product | Initial rate and type | Fees | Other listed terms |
|---|---|---|---|
| Tier 2, two-year discount | 5.84%, discounted from Tipton’s standard variable rate through 30 September 2028 | £999 arrangement fee | 7.6% APRC; maximum 80% LTV; early repayment charges apply |
| Tier 2, two-year fixed | 6.49% fixed until 30 September 2028 | £99 booking fee and £900 arrangement fee | 7.7% APRC; 80% LTV; early repayment charges apply |
These are listed product terms, not a personalised mortgage illustration. See Tipton’s intermediary purchase listings and its Tier 2 two-year discount product page for current details.
How Tier 1 and Tier 2 compare on the listed purchase examples
At 80% LTV, Tipton’s purchase listing checked on 4 October 2026 showed these initial rates and fees for two-year products. This is a like-for-like comparison of the listed examples, not a recommendation or quote for a particular borrower.
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- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
| Tier and product type | Listed initial rate | Booking fee | Arrangement fee |
|---|---|---|---|
| Tier 1 discount | 5.47% | not stated in the listing | £1,499 |
| Tier 2 discount | 5.84% | not stated in the listing | £999 |
| Tier 1 fixed | 6.34% | £99 | £900 |
| Tier 2 fixed | 6.49% | £99 | £900 |
APRC and eligibility should be checked against the live listing, alongside the fees and charges for the specific product. The figures above do not establish which tier an individual borrower would qualify for.
Credit Plus remortgages
Tipton’s intermediary remortgage listing also includes Tier 1 and Tier 2 fixed and discount options. The Tier 2 two-year fixed remortgage entry was shown at 6.59% until 30 September 2028, with a £99 booking fee, on 4 October 2026. The listing should be checked for the complete current fee and product details before using them in a comparison. See Tipton’s intermediary remortgage page.
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- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
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Can you get a mortgage with arrears, a CCJ, a DMP or a default?
Tipton’s expanded Credit Plus range may be relevant if your credit file includes one of these events, but the announcement is not a guarantee of eligibility. The lender’s individual underwriting decision still applies; a credit event alone does not establish whether an application will be accepted or on what terms.
For an initial assessment, speak with a mortgage adviser or intermediary who can consider your circumstances and the lender’s current criteria. Credit Plus products are listed through Tipton’s intermediary channel; verify any adviser’s authorisation and the basis of any referral independently.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
What to compare before choosing a product
Do not judge a mortgage by its headline initial rate alone. Compare the product terms and your circumstances together:
- Rate type: a discount rate moves in line with Tipton’s standard variable rate, while a fixed rate stays unchanged for the stated fixed period.
- Rate end date: check when the initial rate ends and what rate applies afterwards.
- Fees: include both booking and arrangement fees when comparing the total cost.
- APRC: use it as a broader cost indicator, while checking the personalised illustration for the offer available to you.
- Loan-to-value: check the maximum LTV and whether it fits the deposit or equity available.
- Early repayment charges: understand when they apply and what they could mean if you repay or switch early.
- Eligibility and underwriting: confirm the lender’s current criteria for your application rather than assuming a listed tier makes approval certain.
The official figures and availability cited here are snapshots from Tipton’s intermediary purchase, remortgage and product pages checked on 4 October 2026. Confirm current terms directly with the lender or through an adviser before applying.
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