- Benefits accepted up to 100%
- Gifted deposits accepted
- Non standard properties accepted
- Joint borrower, sole proprietor allowed
- Automated valuations available
Personal mortgages for every walk of life
Kate was about to close on a new build home and had a mortgage in place with a high-street bank. That was until they let her down at the last minute, due to historical missed payments on her credit profile. Thankfully we stepped in. Kate first spoke to Together on Christmas Eve and we were able to provide the funds she needed for the purchase in just four working days. Job done.
Figures and details from a real Together mortgage customer. All personal information anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.
Kate's first-time buyer mortgage with us:
Time from application to funding
Mortgages that make common sense
Meeting most mortgage lenders rigid criteria can be tricky. We believe that not every scenario can be covered by ticking a box, that's why we take a common sense approach to offering our products. Designed to take your circumstances into account rather than just your credit score - if the sums add up, we can help you secure your next property, even if it's classed as non standard.
We are flexible when it comes to income, accepting up to 100% of benefits and deposits gifted by close relatives. You can also apply with a joint borrower - someone that will be on the mortgage policy but will not live at nor own the property.
We can also accept automated valuations for your property, using data from a range of existing databases to automatically calculate a value, greatly reducing the timescales to access funds.
What makes us different?
We get to know the person behind the application, because to us you’re more than a credit score or payslip. You’ve got big dreams, and big plans. And we’re here to help you make them happen.
That's why we think outside the tickbox and make sure an underwriter – not a computer – makes the final decision, every time.
✓Wide range of borrowing products offered
✓Flexible on employment (and self-employment)
✓Can handle non-typical properties and incomes
✓Accept imperfect credit
Common questions about personal mortgages
Why choose a Together personal mortgage?
We're a specialist lender. We exist to help people who would likely be turned down by mainstream lenders. Perhaps it's your employment status, your credit history, or the property itself that doesn't fit neatly into the big names' tickboxes.
Whatever it is, we'll look at your application and use our common sense – not computers – to make the final decision about whether we can lend to you.
What are my mortgage options?
There are lots! Your mortgage can last up to 40 years, on a capital repayment basis. You can choose a fixed-rate for a set period at the start of your mortgage, or you can choose a variable-rate option for the duration.
Our qualified mortgage advisers can help you identify the best option for you, based on your circumstances and what you can afford.
How do you decide my interest rate?
The rate you're offered may be influenced by several factors, including:
- How much you need to borrow (both in total, and as a percentage of your property's value).
- The type of mortgage you get.
- Your credit history (but not your credit score).
What documents do I need to apply?
When you apply for a mortgage, you’ll need to go through our application process and provide certain documents so we can get a clear picture of your circumstances and what you can afford to borrow.
To help you prepare any documents required we've pulled together a mortgage application checklist so you can move quickly and smoothly when the time comes.Mortgage application checklist
How long does it take to arrange a mortgage?
It typically takes several weeks to arrange a mortgage.
As a responsible lender, we're duty bound to ensure you can afford the loan you're applying for. So we may take longer to underwrite your case, or request more documentation.
What fees will I have to pay?
We charge a Lenders Arrangement Fee, and we charge a Redemption Administration Fee when you 'redeem' (i.e. full repay) your mortgage, to cover costs associated with closing your account and dispensing our legal claim to your property.
These fees can vary, so we'll ensure that the fees that apply to your particular mortgage are clearly explained before you sign on the dotted line.
Other fees and charges may be applied to your account during the life of your loan, in relation to the management of your account (for instance, if you fall behind on your monthly payments). These are all explained in our Tariff of Charges.