Tariff of charges.
During the life of your mortgage or loan with us, there may be circumstances when we'll apply a charge or fee to your account. If this happens, we'll send a letter in advance to explain what the charge is for, and how much we're charging. We've outlined these costs and charges in our Tariff of Charges.
We review our costs and charges from time to time, but we always have the most up-to-date version available here. We also include them on much of our correspondence.
Please be aware that charges applied to your account accrue additional interest which may result in your mortgage not being paid by the end of your term. If you don’t make arrangements to pay the charge, as it is not covered by your current monthly repayments, it will accrue interest at your current rate. This means the longer you leave it, the more you'll have to pay. If the charges and associated interest are not paid within the term of your loan, there will be a balance remaining at the end of your loan which will remain payable.
If your balance is higher than it should be, we’ll communicate this in your annual statement, other letters and we’ll call to chat it through with you.
Personal Customers - 0161 333 7403. Lines are open Monday to Friday 9am to 5:30pm.
or
Commercial Customers - 0161 333 7415. Lines are open Monday to Friday 9am to 5:30pm.
Download a copy
The Tariff of Charges that applies to you may vary, depending on the product you have with us and whether you're considered a personal customer or a commercial customer.
I'm a personal customer
| My mortgage or loan is a... | |
|---|---|
| Personal mortgage, Consumer Buy to Let mortgage, or a Bridging loan or Secured loan secured on my home and not used for business purposes. | Click to download (PDF) |
Together is closely involved in the mortgage industry's initiative with UK Finance (formerly the Council of Mortgage Lenders) and Which? to make our fees and charges easy for you to understand.
Our Tariff of Charges reflects the initiative's good practice principles. This same document is being used across the industry to help customers compare mortgages and secured loans.
If you need further guidance on the nature of a charge on your account, just give us a call on 0161 333 7403. Lines are open Monday to Friday, 9am to 5:30pm.
I'm a commercial customer
| My mortgage or loan is a... | |
|---|---|
| Secured on a commercial property, buy-to-let property, land, more than one property or is a Homeowner Business Loan (i.e. the sole security is my own home and the loan has been taken specifically for business purposes) | Click to download (PDF) |
If you need further guidance on the nature of a charge on your account, just give us a call on 0161 333 7415. Lines are open Monday to Friday, 9am to 5:30pm.
Common questions about our Tariff of charges
Why are the tariffs changing?
To reflect the current cost of managing your mortgage account, we’ve reviewed our charges and some have been amended or removed.
Will the tariff changes impact me in anyway?
Updated or removed charges that are relevant to your mortgage or loan will apply to your account from the 4th October. You’ll receive the detail of the changes from Together in an email or letter, or you can find the updated tariff here.
Why did I receive an email from Together about the updates to the tariff?
We’ve started to explore different ways of getting in touch with our customers, and emails are often the preferred method of communication as well as being better for the environment.
Why did I receive a letter about the updates to the tariff?
As part of the review of our tariff of charges, we wanted to make sure you were aware of the changes.
Will an updated Tariff of Charges affect my monthly payments?
No. If we write to you with an updated Tariff of Charges, this letter is for information purposes only and there is no charge for the letter.