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Secured loans

Adverse credit secured homeowner loans.

Where common sense meets flexible funding.


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Secured Loans Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Secured Loans Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Secured Loans Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Why choose Together?

Vast experience

With 50 years of lending experience under our belts, you can trust us to get things right for you.

Common sense decisions

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.

Fast, easy account opening

Receive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.

Poor credit? We can help.

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:

  • Missed payments on personal loans in the last 12 months (e.g. missed payments on credit cards, mobile phone bills etc).
  • CCJs and Defaults under £300, and those under £3,000 that have been satisfied
  • And adverse credit events more than 12 months old don’t factor in product selection

Why choose a secured homeowner loan?

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:

  • To carry out home improvements or refurbishment
  • To consolidate debts
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How a secured second charge loan can help re-organise your finances

Mortgage Repayment Calculator

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 costs

Common questions about adverse credit secured homeowner loans

Can I get a secured loan with bad credit?

At 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.


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Your home may be repossessed if you do not keep up repayments on your mortgage.
Exit Process

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.