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Adverse credit mortgages.

Our common sense approach to lending means we’ll look at the bigger picture.
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We’ll always look for ways to say yes, even when other lenders can’t.

Getting a mortgage with bad credit may not be as difficult as you think, we’ll listen to your story and look for the most suitable solution.

At Together, we understand that sometimes in life, unexpected events happen that could knock your finances a little off track. But we don’t feel that a small blip, like a missed phone bill, should get in the way of your home ownership dreams.

A range of options

If you're trying to get a mortgage but have a low credit score or no credit history, you may find your options limited. But not with Together.

We'll offer you the same LTV as someone with an A+ credit rating. And we'll let you spread your mortgage over up to 40 years – even if that means it ends after you're due to retire. It just needs to end before you turn 85.

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Why choose Together?


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 adverse credit mortgages

Can I get a mortgage with a low credit score or adverse credit?

Yes, if you're trying to get a mortgage but have a low credit score or no credit history, you may find your options limited. But not with Together, we’ll listen to your story and look for the most suitable solution.

Can I get a mortgage if I've had payday loans?

We understand that life can throw up unexpected challenges. That’s why when considering mortgage applications at Together, we will accept up to 3 payday loans that have been settled in the last 12 months.

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


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

You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.