Couple moving home with a woman sitting in a cardboard box
Mortgages for house movers

Moving home.

  • Flexible on income & credit status
  • We accept a huge range of property types
  • 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%/month
  • 75% LTV

    Borrow up to 75% of the property's value
happy couple sat on a grey couch looking at a mobile phone

We understand every situation is unique

Mark and Amy had found their ‘forever home’ and they’d had their mortgage approved with a major bank. However, despite them both being professionals with good salaries and perfect credit histories, the bank ultimately went back on their decision when they realised that both Mark and Amy had been self-employed for just over 12 months.

With just a few weeks until they needed to complete on their dream home, the couple needed a lender that could help them and move fast. So they spoke to Together, and we funded the deal in just 8 working days. Ready to see how we could help you?

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.

How we helped Mark and Amy:
  • £550,000

    Amount sought

  • 15 years

    Desired term

  • 6.99%

    Rate received

  • 8 days

    Time from application to funding

Common questions about moving home

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.

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.
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.
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