Mortgages for accidental landlords

For when having tenants wasn't part of the plan
Check my eligibility

  • Loans up to £250,000*.
  • Over 4 to 30 years.
  • Variable and fixed rates available. Fixed rates available from 5.89%*.
  • No Early Repayment Charges.
  • Borrow up to 75%* of the property's market value.
The maximum loan, rate and loan-to-value ratio offered may be reduced depending on the property and your credit profile.
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Inherited a property? Moving in with a partner? Relocating at short notice?

Renting out your property could prove lucrative so we understand why becoming an accidental landlord is sometimes an appealing option. This could mean you need to remortgage before renting out your property – perhaps because your existing mortgage provider doesn't do buy-to-let mortgages, or because you need to complete renovations.

Anyone can be a landlord these days, thinking about renting out your property to provide a second income, or boosting your pension pot further down the line, we may be able to help.

Our common-sense approach means we can also consider applications that some other lenders sometimes struggle with, such as if you already have a mortgage on the property, you're self-employed, work several jobs, or have already retired or if you’ve got less-than-perfect credit history.



Overall cost for comparison

For example: A mortgage of £150,000 payable over 25 years, initially on a fixed rate for 5 years at 6.79% (and then on a rate for the remaining 20 years at 2.14% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £1,060.96 followed by 239 monthly payments of £1,083.44 plus a redemption administration fee of £110.00. Click here to read more information on THMR.

The total amount payable would be £323,793.20 made up of the loan amount (£150,000) plus interest on the loan (£167,441.11), arrangement fee (£3,000.00) plus interest on this fee (£3242.09) and the redemption administration fee (£110.00).

The overall cost for comparison is 7.4% APRC representative..

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.



Check your eligibility & enquire

At Together, our flexible approach means that we can often lend where others can't. If you fit our criteria, we'll do everything we can to make it happen.

To be eligible to borrow from Together, you need to be:

  • Based in the UK
  • Aged between 18 and 85
  • Be looking to borrow no more than 75% of the purchase price of the property you plan to buy

Approval is based on a credit check and an assessment of your individual circumstances.

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You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.

Additional fees and charges are applicable. Lending is subject to an affordability and creditworthiness assessment.

Any property used as security, including your home, may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.


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