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Secured personal loans for debt consolidation

Debt consolidation loans.

  • Non standard properties accepted
  • Loans from £20k
  • Automated valuations available
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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

Ready to find out more?
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What makes us different

Key facts
  • 8.99%

    Fixed rates from 8.99%/annum*
  • 10.65%

    Variable rates from 10.65%/annum*
  • 75%

    Borrow up to 75% of your property's value*
  • 3 – 30yrs

    Terms available from 3 – 30yrs

*Subject to application, status and lending criteria. You may be offered a higher rate.


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Simplify all your debt payments into one

Consolidate your debts into one easy to manage, and potentially cheaper, monthly payment. Our debt consolidation loans start from £20k and go up to 75% of the value of your property. We can even consider properties classed as non standard as a security.

We can accept automated valuations, using data from a range of existing databases to automatically calculate a value for the property that the loan will be secured against, greatly reducing the timescales and costs required.


Settle your existing debts with a secured loan for debt consolidation purposes

If you would prefer a single – and potentially lower – monthly repayment, we could help. You could use the equity you’ve previously built up in your home to pay off your existing unsecured debts, even if you already have a mortgage on your home. Remember: depending on the rate and length of the loan you use to consolidate your debt, you may end up repaying more in total.

Life doesn’t stand still and your credit rating is just a moment in time. We appreciate your employment status may have changed, or you may have had to use payday loans to help manage your money. This doesn’t mean you're automatically excluded from borrowing with us.

At Together, we get to know you and your circumstances – not just your credit rating – and always do the sums to check you can afford the repayments after paying off your other debts.

We can lend in many cases that mainstream lenders can’t.


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 debt consolidation loans

What is a debt consolidation loan?

A debt consolidation loan allows you to combine all of your existing debt into one loan. If you’re making a number of monthly payments to varying credit cards, overdrafts or other loans, combining them into one single payment may allow you to keep a better track of what you owe, and may allow you to pay less overall interest at a lower rate.

How do debt consolidation loans work?

The loan will give you a lump sum to pay off your existing debt, whether that be from an overdraft, personal loans or credit cards. Once you’ve done that, you’ll have a fixed amount of time to pay off the debt consolidation loan, but you’ll only have to make one payment per month.


Smaller Loans Cost for Comparison Larger Loans Cost for Comparison

For example: A mortgage of £30,000 payable over 18 years, initially on a fixed rate for 5 years at 10.35% (and then on a tracker rate for the remaining 13 years at 2.00% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £323.05 followed by 155 monthly payments of £342.22 plus a redemption administration fee of £100. Read more information on THMR.

The total amount payable would be £72,869.32 made up of the loan amount (£30,000) plus interest on the loan (£39,245.38), arrangement fee (£995) plus interest on this fee (£1,203.32), the broker fee (600) plus interest on this fee (£725.62) and the redemption administration fee (£100.00).

The overall cost for comparison is 12.3% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

For example: A mortgage of £92,000 payable over 18.5 years, initially on a fixed rate for 5 years at 8.99% (and then on a tracker rate for the remaining 13.5 years at 2% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £889.47 followed by 162 monthly payments of £1,014.63 plus a redemption administration fee of £100. Read more information on THMR.

The total amount payable would be £217,838.26 made up of the loan amount (£92,000) plus interest on the loan (£118,521.31), arrangement fee (£1,495) plus interest on this fee (£1,576.95), broker fee £2,589 plus interest on this fee £2,730.92) and the redemption administration fee (£100.00).

The overall cost for comparison is 11.3% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

Smaller Loans Cost for Comparison

For example: A mortgage of £30,000 payable over 18 years, initially on a fixed rate for 5 years at 10.35% (and then on a tracker rate for the remaining 13 years at 2.00% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £323.05 followed by 155 monthly payments of £342.22 plus a redemption administration fee of £110.00. Read more information on THMR.

The total amount payable would be £72,869.32 made up of the loan amount (£30,000) plus interest on the loan (£39,345.38), arrangement fee (£995) plus interest on this fee (£1,203.32), the broker fee (600) plus interest on this fee (£725.62) and the redemption administration fee (£110.00).

The overall cost for comparison is 12.3% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

Larger Loans Cost for Comparison

For example: A mortgage of £85,000 payable over 21 years, initially on a fixed rate for 2 years at 10.55% (and then on a tracker rate for the remaining 19 years at 2.0% above the Together Homeowner Managed Rate (THMR)) would require 24 instalments of £854.58 followed by 228 monthly payments of £865.74 plus a redemption administration fee of £110. Read more information on THMR.

The total amount payable would be £218,008.64 made up of the loan amount (£85,000) plus interest on the loan (£209,286.94), arrangement fee (£1,495) plus interest on this fee (£2,226.70) and the redemption administration fee (£110.00).

The overall cost for comparison is 11.5% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.


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

Consolidating unsecured debt through secured lending could increase the total amount you pay back. Any property used as security, including your home, may be repossessed if you do not keep up repayments on your loan or any other debt secured on it.

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