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Mortgages for first-time buyers

First time buyers.

  • Get on the ladder with a 25% deposit
  • Flexible on income & credit status
  • Quick & easy application process
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Why choose Together?

Our mortgage key facts
  • 6.29%

    Fixed rates from 6.29%/month
  • 6.69%

    Variable rates from 6.69%
  • 75% LTV

    Borrow up to 75% of the property's value
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A helping hand onto the property ladder

In a fast-changing world, we take comfort in the things that never change. So it’s easy to understand why so many of us still dream of owning our own home.

But that fast-changing world means it can seem harder than ever to get on the housing ladder. You might work freelance, or have a temporary contract. You might rely on monthly bonuses, overtime or tax credits to top up your wages. Your parents might be helping you out with your deposit. But some lenders aren’t keeping up with our changing lifestyles, and that could make getting a mortgage harder than you realised.

At Together, you’re not just a credit score. We look at the bigger picture, and get to know the person behind the numbers instead. After all… if the sums show you can afford it, we think you should have it. It sounds obvious when you put it that way. But it means we’ve helped lots of people buy their first home over the years, when others couldn’t.

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Kate's story

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:
  • £205,000

    Amount sought

  • 14 years

    Desired term

  • 6.99%

    Rate received

  • 4 days

    Time from application to funding

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.

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).
  • Whether you're buying through a Shared Ownership or Right to Buy scheme, or not.
  • The type of mortgage you get.
  • Your credit history (but not your credit score).

What documents do I need to apply?

You'll need to provide proof of ID, proof of your address history, and proof of income. Exactly what documents we'll accept as proof will depend on your individual circumstances, so we can tell you over the phone.

What fees will I have to pay?

We charge an 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.

Overall cost for comparison

For example: A mortgage of £145,500 over 16 years, initially on a fixed rate for 5 years at 5.99% (and then on a rate for the remaining 11 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £1,209.35 followed by 132 monthly payments of 1,279.48, plus a redemption administration fee of £110.00. Read more information on THMR.

The total amount payable would be £241,562.36 made up of the loan amount (£145,500) plus interest on the loan (£90,289.09), arrangement fee (£3,638) plus interest on this fee (£2,025.27) and the redemption administration fee (£110.00).

The overall cost for comparison is 7.1% 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.
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