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For when you've had an application for a mortgage declined or refused.

We’ll use common sense to assess your affordability.


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Specialist finance Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Specialist finance Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Specialist finance Lender of the year


Mortgage Introducer

• Over 1,200 reviews

• Over 1,900 reviews

Ready to find out more?
Speak to an expert

Declined or refused a mortgage?

At Together, our lending criteria considers customers who may struggle to receive lending elsewhere, including:

  • The self-employed
  • Those with complex or multiple incomes
  • Those in or approaching retirement
  • And those with thin or impaired credit histories

But we believe your personal circumstances shouldn't get in the way of you getting a mortgage.

Our underwriters aren't hemmed in by tickboxes. They're empowered to use their common sense when making decisions, and take everything into account when looking at what you can afford.

So if you’ve had a mortgage application declined, or your decision in principle/offer has been withdrawn, talk to us. We consider credit-worthy customers including:

  • Self employed applicants
  • Adverse credit – if you have missed payments or a default we will review your individual circumstances
  • Non-standard construction properties
  • Unusual income. Self-employment. Credit history hiccups. We can cater for a wide range of circumstances.
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Why choose Together?

We see the bigger picture

We realise that not everyone has a standard pay packet these days. We look at multiple sources of income when assessing affordability, and have no minimum income requirements.

We love entrepreneurs

Being your own boss is tough, and we won’t make it harder by refusing to lend to people who are self-employed.

We understand the slip-ups

We won’t exclude customers for late payments or minor financial blips. We accept CCJs and defaults and can help even if you have little to no UK credit history.

Borrowing Calculator

Do you want to understand the potential cost of your mortgage or loan?

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.

How much can I borrow?

Common questions when you’ve been declined or refused a mortgage

What happens if I'm refused a mortgage?

Don’t lose heart if you’ve been refused a mortgage, there are still plenty of options open to you. Get in touch with a mortgage broker or specialist lender (like Together) who will listen carefully to your circumstances and give you tailored advice to help you get your dream home.

Exit Process

So we can get you through to the right expert please answer a few eligibility questions.

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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.