At Together, our lending criteria considers customers who may struggle to receive lending elsewhere, including:
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So if you’ve had a mortgage application declined, or your decision in principle/offer has been withdrawn, talk to us.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:
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.
Being your own boss is tough, and we won’t make it harder by refusing to lend to people who are self-employed.
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.
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 costsDon’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.
