- Flexible on income & credit status
- We accept a huge range of property types
- Quick & easy application process
Why choose Together?
FlexibleYou're more than a credit score. If the sums show that you can afford the property, we do our best to make it happen.
TrustedWith almost 50 years of lending experience under our belts, you can trust us to get things right for you.
Open-mindedUnlike many, we lend on properties like ex-council properties, high-rise flats and those made of non-standard materials.
SmartReceive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.
7.69%Variable rates from 7.69%
8.15%Fixed rates from 8.15%/month
70% LTVBorrow up to 70% of the property's value
It’s normal for your circumstances to have changed since you last got a mortgage. Perhaps you’ve had a missed payment, your employment status has changed, or your relationship has ended.
Fortunately we don't mind if you're simply looking for a new rate to reduce your repayments, or want to borrow more to complete renovations or consolidate debts.
We don’t just rely on credit scores to make our lending decisions. Instead, we see the person behind the numbers. All of which means we can often lend when others can’t.
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?
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 £115,559 payable over 24 years, initially on a fixed rate for 5 years at 6.99% (and then on a tracker rate for the remaining 19 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £846.05 followed by 231 monthly payments of £824.52 plus a redemption administration fee of £110.00. Read more information on THMR.
The total amount payable would be £241,336.47 made up of the loan amount (£115,559) plus interest on the loan (£119,783.09), arrangement fee (£2,888.98) plus interest on this fee (£2994.60) and the redemption administration fee (£110.00).
The overall cost for comparison is 7.3% APRC representative.
The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.
Ready to talkCheck my eligibility
You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments.