Lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.
*Subject to application, status and lending criteria. You may be offered a higher rate.
Whether you are a sole business person or a limited company, we can make getting the finances for your latest commercial property even easier. We also don't mind if you are buying the property for your own business or as an investment opportunity.
Our commercial mortgages can also be secured against a range of residential and commercial properties.
Do you want to understand the potential cost of your mortgage or loan?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
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Eventually, every successful business outgrows its space – whether that’s a home office, or a headquarters. So when it’s time to secure new premises, we can help.
Because we look at your individual situation, not just your credit score, and get to know the bigger picture. That's common sense.
We understand entrepreneurs, because we’re entrepreneurs. And that the path to success doesn’t always run smooth. So we cater to a wide range of circumstances, and business ownership structures – even if you've only been trading for 12 months.
Our flexible approach means we can consider lending against commercial property of a huge range of constructions, types and uses.
Talk to us whether the property is:
Other premises such as restaurants, takeaways, hotels, day centres, leisure facilities and farms are also considered on merits.
A buy-to-let mortgage is a mortgage on a residential property that you intend to rent out. You can get a Together Buy to Let mortgage on a property you're buying, or a property you already own and want to turn into a rental (like a property you've inherited).
If you're purchasing a commercial unit, office or other business premises as an investment and intend to rent it out, you’ll apply for a commercial mortgage instead.
With Together, you could borrow 100% of the value of your commercial property if you’ve got enough equity in another building to use as additional security.
At most, we can lend you 65% of your commercial property's value. So you will need at least 35% as a deposit, or as equity. The maximum loan-to-value ratio we can offer may be reduced based on the nature of the property, the transaction (i.e. whether you're buying or just remortgaging), and your personal circumstances.
It's important to note that the property in question must be valued at a minimum of £50,000.
The rate you're offered may be influenced by two factors:
How much you need to borrow as a percentage of your property's value.
Your credit history (but not your credit score).
We charge a Lenders Arrangement Fee, and – if you come to us direct – a Processing Fee.
Our Commercial mortgages and loans include an Early Repayment Charge, which you'll pay if you elect to remortgage with another lender or repay your mortgage in full before the term ends.
We also charge a Redemption Administration Fee when you 'redeem' (i.e. full repay) your mortgage, to cover costs associated with closing your account and dispensing our legal claim to your property.
Our fees are typically charges as a percentage of the loan, so can vary. We'll ensure that the fees that apply to your particular mortgage are clearly explained before you sign on the dotted line.
Other fees and charges may be applied to your account during the life of your mortgage, in relation to the management of your account (for instance, if you fall behind on your monthly payments). These are all explained in our Tariff of Charges.
All mortgages are subject to our terms and conditions.
Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.