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 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 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 .

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

We’ll use common sense to assess your affordability.

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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.

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.

Common sense

You're more than a credit score. If the sums show that you can afford the property, we do our best to make it happen.
Trusted

With almost 50 years of lending experience under our belts, you can trust us to get things right for you.
Open-minded

Unlike many, we lend on properties like ex-council properties, high-rise flats and those made of non-standard materials.
Smart

Receive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.

Get in touch

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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.

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

Declined or refused a mortgage?

Why choose Together?

We see the bigger picture

We love entrepreneurs

We understand the slip-ups

Common sense

Trusted

Open-minded

Smart

Ready to talk?