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Together increases its personal mortgage loan size to £1 million

03 February 2017

We have increased our maximum personal mortgage loan amount to £1m to expand our customer base and address rising property prices.

The new maximum loan size will be available for purchase, remortgage and right-to-buy applications, with a loan-to-value of up to 50 per cent.

 The increase will allow us to offer our specialist services to a wider range of customers, serving those that may not be able to secure the funding they require from a mainstream bank.

Pete Ball, chief executive of personal finance at Together, said: “At Together we’ve always recognised that the need for specialist finance is diverse and we constantly review our products to ensure we’re meeting customer needs. That’s why we’ve decided to increase our maximum loan size for personal mortgages, as we were seeing demand for bigger loans, in line with the current housing market, alongside an expanding customer base.

“Our recent customer insight data shows that our main three customer groups are high-income professionals, older working families, and those on the road to retirement, and they may turn to specialist finance providers for a variety of reasons. It could be that they are self-employed, or it could be about the property, which may not fit the ‘standard’ classification. What this goes to show is that the demand for specialist finance is growing and we’re adapting our products to suit a broader demographic, in recognition of that.”

In addition, we have increased our maximum loan amount for purchases up to 75 per cent loan-to-value from £200,000 to £250,000, increased our maximum loan size for purchases, remortgages and right-to-buy from £250,000 to £500,000 and our shared ownership limit from £200,000 to £250,000. In response to the significant increase, cases over £500,000 will be manually underwritten.

We have also launched simplified product guides and are improving our affordability assessment for all personal lending products.




Pete Ball