From search to solution

Let's build this together.

When your clients’ property or circumstance seem ‘unmortgageable’, we’ll work with you to remove uncertainty and unlock solutions.

Get in touch with us on

0161 933 7101

For more detail, see our product guides below.

A man staring out the window of an attic that is under construction.

How Together can help

Unlocking ‘unmortgageable’ properties isn’t about your client taking on more risk. It’s about us working with you to understand your client’s full scenario, and combining our expertise and flexible underwriting to reach outcomes that work for them.

People first criteria

We consider applications from a range of people, including self-employed, portfolio landlords, retired, those with adverse credit or complex income, and businesses.

Flexible on property

We lend on property types other lenders can’t, including HMOs, MUFBs, flats above shops, Grade II listed buildings and maisonettes up to six storeys.

Processes you can trust

Our underwriters take a common-sense view on your client’s case, considering flexible criteria across a broad range of products to unlock solutions while using automated valuations where possible and in-house legals.

Want to discuss a case?

Product guides

Network and Clubs

Document name	File download
Networks and Clubs Product Guide
Networks and Clubs Commission Rates

Packagers

Document name	File download
Personal Finance Product Guide
Personal Finance Valuation & Legal Advice Guide
Commercial Finance Product Guide
Commercial Finance Valuation & Legal Guide
Personal and Commercial Product Transfer Guide
Premier for Intermediaries Product Guide
Packaging partner commission

The scale of the issue

Illustration of a damaged house representing over 1.5 million unmortgageable homes across the UK.

Illustration of a house representing 101,283 postwar nonstandard properties in Birmingham alone.

Illustration of money behind bars representing approximately ~£300 billion in equity value trapped in.

Let’s help your clients find answers

With standard lending criteria getting stricter, more people are being denied access to the finance they need to move, improve or invest in UK property.

Like you, we want to remove obstacles and their limiting belief that their situation is ‘unmortgageable’ by looking beyond the problem to find the solution.

In our latest report we study the common issues people encounter when stuck in ‘unmortgageble’ situation and explore how our approach to lending can help you see the potential in people and properties others miss.

Click here to read our report

Did you know most property-related rejections come down to three key factors?:

Condition

Some lenders reject because properties lack basic facilities, or have damp, rot, subsidence or knotweed.

Click here to find out more

Location

Other lenders may overlook a property because it’s too close to commercial premises, is in a flood zone, or has a flying freehold.

Click here to find out more

Asset type

Properties such as listed buildings, non-standard constructions, and those on short leaseholds often fail standard criteria.

Click here to find out more

Simplify and scale your clients’ portfolios

Help your client restructure or refinance their portfolio or explore new opportunities to grow.

One loan, one Direct Debit, one maturity date and one personal guarantee.
No limit on the number of properties held.
AVMs available on residential assets*.
Second charge options to release equity without impacting existing rates.
Funding available to support portfolio expansion, including the addition of commercial and semi-commercial properties.

*Subject to AVM criteria.

Explore portfolio solutions