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The modern mortgage

One in two people fit ‘non-standard’ lending criteria*.

Driven by changing employment and living patterns, the growth of the gig economy and the rapidly rising cost of living, as many as half a million borrowers could be locked out of the UK mortgage market without the support of a non-standard mortgage lender, like Together.
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Our nationwide study estimates one in two people (53%) already fall into one or more lending criteria classed as ‘non-standard’. And of the 7,000 consumers we surveyed, 19% said they’d been rejected for a mortgage within the last five years citing the following reasons:

  • 22%

    Having ‘non-standard’ income – such as being self-employed

  • 26%

    Being in a 'non-standard' buying situation – such as Shared Ownership

  • 12%

    Wanting to buy a ‘non-standard’ property – such as one with a thatched roof

  • 21%

    Having a ‘non-standard’ profile – such as being divorced or over 55

  • 21%

    Having thin or impaired credit

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Like Andrea.

She works part-time to support her family and follows her passion for graphic design by freelancing to supplement her income.

She’s dreaming of renovating her home and going open plan, but after a few missed credit card bills, she’s been declined by her existing lender for further borrowing.

Together, we can make Andrea’s ambitions a reality.


• Multiple sources of income accepted including self-employed and zero-hour contracts.
• We ignore all CCJs and Defaults under £300, and any under £3,000 that have been satisfied.
• We have no loan to income restrictions and utilise customer stated affordability.

Our common-sense approach to lending means we can be flexible in all of these circumstances, and help more of your clients realise their property ambitions.

Get in touch to find out more about the Self-Employed mortgages available from non-standard mortgage lender, Together.

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Find out more about all our scenarios and see how we can help more of your clients realise their property ambitions

Like Emma

She runs her own digital agency, regularly receives dividends and owns a couple of rental properties.

After a successful trading year, she’s dreaming of remodelling her home with a state-of-the-art kitchen and a spacious extension to entertain friends.

At Together:

• We can accept up to 100% of dividends and rental income (including projected income).
• We have no loan to income restrictions and utilise customer stated affordability.
• We offer interest-only options on remortgage and second charge loans.

Our common-sense approach to lending means we can be flexible in all of these circumstances, and help more of your clients realise their property ambitions.

Get in touch to find out more about the self-employed mortgages and loans available from non-standard mortgage lender, Together.

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Like Danny

He looks after his mum and claims a Carer’s Allowance whilst working part-time at a chemist.

With no deposit, he’s ready to step out on his own and buy his first home through a Shared Ownership scheme.

At Together:

• We have no minimum income requirements
• Clients can borrow 100% of their share through Shared Ownership
• No credit scoring, solutions for many credit profiles

Our common-sense approach to lending means we can be flexible in all of these circumstances, and help more of your clients realise their property ambitions.

Get in touch to find out more about the Shared Ownership mortgages available from non-standard mortgage lender, Together.

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*Together’s Poll of 7,000 UK adults, conducted by Opinium in June 2022, shows 53% of respondents have one or more ‘non-standard’ criteria.