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Right to Buy

Right to Buy mortgages.

  • Own the council house or flat you already love
  • Flexible on income & credit status
  • Quick & easy application process
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Why choose Together?

Our mortgage key facts
  • 8.15%

    Fixed rates from 8.15%
  • 8.65%

    Variable rates from 8.65%
  • No deposit

    Available with no deposit
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A helping hand onto the property ladder

We don’t rely on credit scores alone when deciding whether or not to approve a mortgage application.

We understand that real lives rarely fit conveniently into tickboxes so we look at every application on its merits, and use our common sense.

It’s an approach we’ve been applying for almost 50 years. In that time, we’ve helped hundreds of people buy their council homes so they can create a future for their families, and make happy memories for years to come. See our step by step Right to Buy guide here.







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 £153,000 payable over 8 years, initially on a fixed rate for 5 years at 8.35% (and then on a tracker rate for the remaining 3 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £2,211.63 followed by 36 monthly payments of £2,210.00 plus a redemption administration fee of £110.00. Read more information on THMR.

The total amount payable would be £212,367.80 made up of the loan amount (£153,000) plus interest on the loan (£57,313.13), arrangement fee (£1,495) plus interest on this fee (£559.67) and the redemption administration fee (£110.00).

The overall cost for comparison is 9.0% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

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Sorry, we need the details of a specific property before we can discuss the mortgage we could offer you. Once you've found a property you'd like to buy, pop back and we’ll be able to discuss with you.

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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.