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Secured personal loans for debt consolidation

Debt consolidation loans.

  • Flexible on income & credit status
  • On a huge range of property types
  • Quick & easy application process

What makes us different

Key facts
  • 6.79%

    Fixed rates from 6.79%/month
  • 7.19%

    Variable rates from 7.19%/month
  • 75% LTV

    Borrow up to 75% of the property's value
  • 3 to 30 years

    Terms available from 3 to 30 years

Managing multiple debts

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.

Overall cost for comparison

For example: A mortgage of £97,020 payable over 21.5 years, initially on a fixed rate for 5 years at 4.99% (and then on a rate for the remaining 16.5 years at 1.8% above the Together Homeowner Managed Rate (THMR) would require 60 instalments of £629.22 followed by 198 monthly payments of £682.58 plus a redemption administration fee of £110.00. Read more information on THMR.

The total amount payable would be £173,014.04 made up of the loan amount (£97,020) plus interest on the loan (£71,318.95), arrangement fee (£2,426) plus interest on this fee (£2,139.05) and the redemption administration fee (£110.00).

The overall cost for comparison is 6.1% 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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