A man with brown hair and glasses talking with a woman with brown hair.

Secured loans

Adverse credit secured homeowner loans.

Where common sense meets flexible funding.

Call and get a quote

We're open 09:00 to 20:00 Mon-Thu, 09:00 to 17:30 Fri

You should think carefully before securing other debts against your home because consolidating debts could increase the total amount you pay back. Your home may be repossessed if you do not keep up repayments on your mortgage.

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

Calculate how much I can borrow

Do you want to understand the potential cost of your mortgage or loan?

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.

Find out here

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.

Can I use a secured loan for debt consolidation?

Yes. A secured business loan can be used to consolidate existing business debts into a single loan.

Every application is assessed individually, taking into account your circumstances and what you're looking to achieve. As a specialist lender, we take a common-sense approach and will work with you to find a solution that's right for your business.

Can I get a secured loan with a CCJ?

Yes. Having a County Court Judgment (CCJ) doesn’t automatically mean your application will be declined.

We understand that people's circumstances can change. Rather than relying solely on credit scores, we look at the bigger picture, including your current situation, the property being used as security, and your ability to repay the loan.

If you have secured arrears, CCJs or defaults registered within the last 12 months, we may still be able to help. However, the rate offered may be higher than our standard rates.

Can I get a secured loan with defaults?

Yes. Previous defaults do not automatically prevent you from getting a secured business loan.

As a specialist lender, we consider each application on its own merits. We'll take the time to understand your circumstances and assess your application based on a range of factors, not just your credit history.

If you have secured arrears, CCJs or defaults registered within the last 12 months, we may still be able to help. However, the rate offered may be higher than our standard rates.

Do secured loans improve credit scores?

Making your repayments in full and on time may help build a positive credit history over time. However, a secured loan will not automatically improve your credit score.

It's important to remember that missed or late payments could have a negative impact on your credit profile, so you should make sure any borrowing is affordable before taking out a loan.

What interest rate will I pay?

The interest rate available will depend on your individual circumstances and the details of your application.

When assessing your application, we'll consider factors such as the property being used as security, the amount you'd like to borrow and your overall circumstances, including secured arrears, CCJs and defaults. We'll then provide a tailored quote based on your needs.

A couple sat on a couch looking at a laptop together.

We can help where others can't.

Ready to talk?

Alternatively, call us on 0161 933 7059.

Lending decisions are based on a credit check and an assessment of your individual circumstances.

All mortgages are subject to our terms and conditions.