Mortgage Rates

Tipton & Coseley Building Society Mortgage Rates - October 2026

Compare Tipton & Coseley Building Society’s current residential, buy-to-let and product transfer rates against the whole market. DBF is a whole-of-market mortgage broker: we search every deal, not just one lender’s range.

Best 5-yr fixed from 4.30%

Best 2-yr fixed from 5.70%

SVR 7.54%

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Tipton & Coseley Building Society mortgage

DBF Product Transfer System

If you decide to stay with Tipton & Coseley Building Society at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Tipton & Coseley Building Society is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Tipton & Coseley Building Society Residential Mortgage Rates

Residential mortgage rates - indicative, updated monthly. Confirm current rates with DBF before proceeding.
Product	Rate	Initial Period	Fee	Overpay
2-yr fixed 60% LTV	5.70%	2 years	£795
2-yr fixed 75% LTV	5.92%	2 years	£795
5-yr fixed 60% LTV	4.30%Best	5 years	£795
5-yr fixed 75% LTV	4.55%	5 years	£795
5-yr fixed 80% LTV	4.78%	5 years	£795
Standard Variable Rate	7.54%	Ongoing	None	-

Tipton & Coseley Building Society Buy-to-Let Mortgage Rates

Buy-to-let mortgage rates - indicative, updated monthly. Portfolio and HMO criteria apply.
Product	Rate	Initial Period	Fee	Overpay
BTL 5-yr fixed 65% LTV	5.00%Best	5 years	£995

Tipton & Coseley Building Society Product Transfer Rates

Product transfers - rates indicative; DBF will confirm current availability. Cashback via DBF, not available direct.
Product Transfer Option	Rate	Initial Period	Fee	Cashback
Tipton & Coseley Building Society 2-yr fixed PT (same LTV band)	5.75%	2 years	£0	Cashback available
Tipton & Coseley Building Society 5-yr fixed PT (same LTV band)	4.35%	5 years	£0	Cashback available
Tipton & Coseley Building Society PT + borrow more (residential)	4.42%	5 years	£595	Cashback available

About Tipton & Coseley Building Society Mortgages

Tipton & Coseley Building Society is a small West Midlands mutual lender serving the communities of Tipton, Coseley, Dudley, and the wider Black Country area. A genuine community building society, Tipton & Coseley offers residential mortgage products with a personal touch and local expertise.

Tipton & Coseley Building Society is ideal for borrowers in the Black Country and West Midlands who want a local lender familiar with the area's distinctive property stock, including terraced housing, ex-council properties, and homes above shops that larger lenders often decline.

Get a quote 0204 6211776

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Get your Tipton & Coseley Building Society rate comparison

Tell us about your mortgage and we will compare Tipton & Coseley Building Society's current rates against the whole market - free, fast and with no obligation.

0204 6211776

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FAQs

Frequently asked questions

What are Tipton & Coseley Building Society’s current mortgage rates?

Tipton & Coseley Building Society’s current rates start from 4.30% on a 5-year fixed at 60% LTV for residential borrowers. Rates rise to 5.60% or above for higher LTV tiers and specialist products. All rates shown are indicative and reviewed monthly by DBF - contact us to confirm today’s live rates.

What is Tipton & Coseley Building Society’s Standard Variable Rate (SVR)?

Tipton & Coseley Building Society’s SVR is currently 7.54%. This is the rate you revert to when your fixed or tracker deal expires. DBF strongly recommends arranging a new fixed rate before this happens - the SVR is almost always more expensive than any new deal available.

Can I get cashback on a Tipton & Coseley Building Society product transfer through DBF?

Yes. Eligible Tipton & Coseley Building Society mortgage holders renewing through DBF can receive cashback on their product transfer. This is not available if you apply direct to Tipton & Coseley Building Society. Contact DBF at least 3 months before your current deal expires to ensure we can secure the best rate and arrange cashback.

Is Tipton & Coseley Building Society right for me, or should I switch lender?

That depends entirely on your circumstances. Tipton & Coseley Building Society may offer the best rate for your profile - or a different lender in our panel of 130+ may beat them. DBF will compare the whole market and recommend the best option, whether that’s staying with Tipton & Coseley Building Society or switching to a competitor.

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