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Second home mortgages.

We could help you make your second property dreams a reality.
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About us

  • Passionate about funding inclusive, affordable housing projects

  • Relationship-led, common-sense approach to lending

  • Access to key decision-makers with personalised underwriting

  • Focused on delivering positive, sustainable outcomes

Getting a mortgage for a second home

We know that property dreams come in all shapes and sizes. If you’ve got ambitions to buy a second property, we could help you make it happen with a second home mortgage.

Whatever your needs – whether you’re looking to buy a second residence to be closer to work, you’re buying another property for a family member to live in, or you’d like your very own holiday home – we could help you take the next step.

When you apply for a second home mortgage, you’ll be offered the same rates and terms as you would for your main personal mortgage.

We’ll use our common sense to assess your affordability; our experience means we can look beyond mainstream lending criteria and we won’t rely on algorithms or credit scores to make decisions for second home buyers.

So even if you’re self-employed or have multiple sources of income, you’re looking at purchasing a unique property, or you’ve got a blip in your credit history, we’ll do everything we can to make finance work for you.

Check your eligibility and talk to us today about mortgages for second homes.

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.

What are my mortgage options?

There are lots! Your mortgage can last up to 40 years, on a capital repayment basis. You can choose a fixed-rate for a set period at the start of your mortgage, or you can choose a variable-rate option for the duration.

Our qualified mortgage advisers can help you identify the best option for you, based on your circumstances and what you can afford.

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).
  • 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

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.

What fees will I have to pay?

We charge a Lenders 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. All mortgages are subject to our terms and conditions.
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