Home improvement loans.
- Flexible on income & credit status
- On a huge range of property types
- Quick & easy application process
What makes us different
TrustedWith almost 50 years of lending experience under our belts, you can trust us to get things right for you.
SmartReceive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.
Common senseIf 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.
Open-mindedUnlike many, we lend on properties like ex-council properties, high-rise flats and those made of non-standard materials.
8.65%Fixed rates from 8.65%/month
9.15%Variable rates from 9.15%/month
75% LTVBorrow up to 75% of the property's value
3 to 30 yearsTerms available from 3 to 30 years
If you already have a mortgage and want to borrow again, there are several options. A secured loan may be worth considering if your circumstances have changed, and remortgaging out of your existing deal isn’t the best option. Perhaps your employment status or credit rating has changed. Or perhaps the property needs significant repairs, and its valuation has slipped as a result.
Known as a 'second-charge mortgage', this loan is secured against your home and will run alongside – but independent of – your existing mortgage. It has its own rate and terms, so you could borrow over a shorter period than remains on your current mortgage. Which means you may pay back less in the long term, compared to remortgaging.
We know you’re more than just a credit report, that's why we get to know the person behind the numbers, so our underwriters make their decision based on your individual circumstances, every time. It’s not rocket science, but it means we can often lend when others won’t.
Overall cost for comparison
For example: A mortgage of £91,250 payable over 7 years, initially on a fixed rate for 5 years at 8.65% (and then on a tracker rate for the remaining 2 years at 2.0% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £1,475.76 followed by 24 monthly payments of £1,473.54 plus a redemption administration fee of £110.00. Read more information on THMR.
The total amount payable would be £124,020.56 made up of the loan amount (£91,250) plus interest on the loan (£30,772.20), arrangement fee (£1,495) plus interest on this fee (£503.36) and the redemption administration fee (£110.00).
The overall cost for comparison is 9.6% APRC representative.
The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.
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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.