With nearly 50 years of lending experience under our belts, you can trust us to get things right for you.
If the sum shows you can afford the property - even if you've only been trading 12 months - we do out best to make it happen.
Receive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.
Even the most diligent money-manager can get caught out by unexpected events – so we understand many people have missed payments on their credit file.
With our flexible lending criteria and common sense approach, we’re able to offer a wide range of clients a secured loan – giving them the hand they need, when they need it most.
We get to know the person behind the numbers, and make our decision based on your individual circumstances. We can consider blips in the last 12 months, including:
If you’re looking to borrow, a secured loan (also known as a second-charge mortgage) may be worth considering if your circumstances have changed, and remortgaging out of your existing deal wouldn’t the best option. For example, if you’ve suffered a financial blip in the last 12 months since taking out your existing mortgage and you’ve now got a poor credit score.
The loan is secured against your home and will run alongside – but independent of – your mortgage. It has its own rate and terms, so you could borrow over a shorter period than remains on your current mortgage.
At Together, we can lend to customers with bad credit for many purposes, including:
Do you want to quickly understand the potential cost of your mortgage?
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.
Calculate costsAt Together, our lending criteria considers customers who may struggle to receive lending elsewhere. Our underwriters use their common sense when making decisions, and take everything into account when looking at what you can afford during your secured loan application.
You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.
Additional fees and charges are applicable. Lending is subject to an affordability and creditworthiness assessment.
Consolidating unsecured debt through secured lending could increase the total amount you pay back. Your home may be repossessed if you do not keep up repayments on your mortgage.