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Tariff of charges

Get to know our tariff of charges.

Our list of latest tariffs

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 off schedule, we will communicate this in your annual statement, by calling you and by sending letters.

Personal Customers - 0800 046 1594. Lines are open Monday to Friday 8:30am-7pm.
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, or more than one property. Click to download (PDF)
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) 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.

Build: 1.3.7.16634