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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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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So if you’ve had a mortgage application declined, or your decision in principle/offer has been withdrawn, talk to us.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.

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 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?

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

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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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.