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Recent updates

Latest information from Together

Our lowest ever rates 

We’re excited to launch our lowest ever rates across our First Charge and Buy to let product ranges.

First Charge products.
  • On our First Charge 2 year fixed rate Prime Plus we’ve reduced our rate to the lowest ever at 3.59% for capital and repayment loans and 4.09% for interest only.

  • Our 5 year fixed rate prime plus remains at 4.99% for capital and repayment loans and 5.49% for interest only.

  • The maximum LTV is 75% for new purchases and 70% for re-mortgages.

Buy to Let products.
  • We’ve reduced the rate on our Buy to let range to 4.99% for loans over £200,000.

  • On our second charge buy to let our variable rate is 5.99% for loans over £100,000.


Full details of our latest changes can be found in our updated products cards.


View the product cards >
Improving our service 

We’ve made some changes to our underwriting processes for our personal finance applications to ensure a fast and efficient turnaround for your clients.

  • Employed applicants will no longer be required to provide a letter from their employer stating that they are not on furlough or at risk of redundancy. However, conditions will still apply and applicants will be required to provide copies of their latest pay slips.

  • On affordability assessment, following a review of the guidance relating to revolving credit we have increased the calculation for the minimum monthly payment on credit card balances from 3% to 5%. This will affect all applications quoted from the 4th June.

Where there's any element of debt consolidation:
  • We’ll now require a full creditor statement from your clients – including all pages of the creditor statement and the creditor’s full bank details, on company letterhead.

  • Where full reference numbers are not shown on statements we’ll require full proof of reference numbers by appropriate means – for example a copy of the front of the clients credit card.

  • For unsecured loans we’ll require a headed redemption statement with full bank details to send the payment electronically.


Important information.

When submitting a new application on My Broker Venue, please include the details of any introducer under the ‘Application Data’ tab. Documenting the true source of any business helps us to protect you, the client, and Together from potential financial crime.

Comprehensive Underwriting guide.

We’ve recently updated our underwriting guide providing you with full comprehensive details for all of our personal finance product applications.


View our Underwriting guide >
New competitive rates 

We’re excited to be sharing with you our latest updates to our unregulated bridging products across our commercial finance range.

Residential investment bridging.
  • We've reduced the rate to 0.55% for up to 50% LTV and to 0.65% for up to 65% LTV

Commercial bridging.
  • We've reduced the rate to 0.85% for 60% LTV and 0.90% for up to 70% LTV

  • Our maximum LTV has increased to 70% on purchase transactions and 65% for refinances

  • The maximum loan size has increased to £1 million


For a full overview of our latest product updates please take a look at our comprehensive product cards.


View the product cards >
MBV Pipeline Clean-up 

On a monthly basis from the 1st June we’ll be cleaning up the pipeline of un-submitted quotes in MyBrokerVenue to help improve performance. We’ll remove old quotes which are not progressing to full application stage.

This means that any quotes generated in MBV that have not been submitted within 3 months of being created will be removed from your pipeline and will no longer be available to you. You won’t need to do anything, and we’ll make sure the change doesn’t interrupt or impact your working day.

What does this mean for you?

If you have a pipeline of quotes in MBV that have not been submitted, any quotes in your pipeline older than 3 months will automatically be removed and you’ll no longer be able to access or use these quotes to progress to a full application. You won’t need to do anything, and we’ll make sure the change doesn’t interrupt or impact your working day.

If your old cases are still required:

We’ll be removing quotes from the pipeline automatically each month, so if you have quotes in your pipeline that were created more than 3 months ago, and are still required, you’ll need to open the quote and copy it to a new case in order to ensure it remains an active case in your pipeline.

Remember, it’s only un-submitted quotes that are older than 3 months that we’ll be removing from your pipeline – we won’t be removing any cases that have been submitted or referred.

Why are we doing this?

By removing old un-submitted quotes from the MBV pipeline we can prevent performance related issues that can be caused by the ever-growing pipeline. Additionally, because we change and update our products frequently, this change will help to reduce instances of locked or corrupted cases, ensuring that quotes in your pipeline are aligned to a current and valid product.

MORE limited edition products now available. 

We’re really excited to share with you the launch of our limited edition 2 year Prime Plus product for second charges. We're also reducing the rate of our 5 year fixed rate second charge products across our personal finance range.

  • Our second charge 2 year fixed rate Prime Plus product now has a rate of 4.29% for capital repayment and 4.79% for interest only

  • On our second charge 5 year fixed rate product we’ve reduced the rate to 4.99% for capital repayment and 5.49% for interest only

  • The maximum LTV on all term products will increase to 75%, excluding regulated bridging and 1st charge remortgages


These limited edition products are available for 3 months and full details can be found on our new product cards.


View the product cards >
Commercial finance changes - minimum loans size 

On our Buy to Let and Commercial Term products we’ve increased the minimum loan size to £50,000.


Simplifying our processes for you 

We’ve made some changes to our application process and no longer require certain documents to be included with the application. You’ll find the full details of these changes below.


All applications
  • We no longer require a Debt Consolidation Declaration.

For personal finance applications you no longer need to supply
  • Regulated Bridging Repayment Declaration

  • Lending into Retirement Declaration

  • Co-Borrower Letter

  • Credit Arrears Explanation

For commercial finance applications you no longer need to supply
  • HMO Licence checklist item. However, if a HMO licence isn’t on the HMO database, we’ll still need you to supply the certificate.

  • Client authority form.


AVM updates and product cards 

We’ve made some changes to our criteria across our commercial finance products to allow more cases to use Hometrack’s automated valuation model. This is a move designed to reduce costs for your clients and speed up mortgage applications secured on residential property.

  • On purchase transactions we’ve increased our maximum LTV to 75% for loans up to £150,000

  • You can use Hometrack to 70% LTV for purchase transactions on loans up to £250,000 and 60% for loans up to £500,000

  • Our maximum LTV on remortgage and second charge transactions has also increased to 70% for loans up to £150,000

  • You can use Hometrack to 60% LTV for remortgage and second charge transactions up to £250,000 and 50% for loans up to £500,000

  • For purchase transactions the minimum confidence level is 2, for remortgage and second charge transactions the minimum confidence level is 4


For further information please refer to the product cards.

New product cards

We’re delighted to share with you our new comprehensive product cards providing a full overview of rates, criteria and terms. Our new product cards have an amended layout making them simpler and easier to follow.


View the product cards >
Income Verification checks 

As we continue to make improvements to our processes we’re delighted to let you know about our latest update which will make using My Broker Venue simple and efficient, and will save time for both you and your clients.

With just one click you’ll now be able to securely run an income verification check for new personal finance regulated first and second charge mortgage applications (subject to eligibility) - meaning you may not need to provide income proof for your customers.

So how does it work?

Enter the applicant’s income details on My Broker Venue and select “Validate income”. This will automatically validate the income figure you’ve entered.

Important: you’ll only have ONE opportunity to enter this information, so make sure you input this accurately.

You’ll receive an instant message on MBV to confirm:

  1. the income has been validated successfully meaning you’ll no longer need to provide supporting evidence such as payslips, or

  2. that the normal process applies and proof of income will be required.


Please note income verification checks are not available for self-employed applicants at this time. Also if Universal Credits are used as one of the benefits, then a copy of the customer’s award letter will be required for sustainability purposes.


Limited edition products now available! 

Last week we announced the launch of our 2 year fixed rate First Charge Prime Plus product and this week we’ve got even more great news! We've reduced the rates further and launched a new 5 year fixed rate product.

  • Our 2 year fixed rate First Charge Prime Plus product now has a reduced rate of 4.29% for capital repayment and 4.79% for interest only.

  • Our new 5 year fixed rate First Charge Prime Plus product has a reduced rate of 4.99% for capital repayment and 5.49% for interest only.


These products are a limited edition and are available for 3 months. Full details can be found on the product cards on our website.


View the product cards >
New 4.99% 2 year fixed rate First Charge Prime Plus product. 

Following on from last week’s email it’s great to be able to share with you some more new and competitive product improvements across our personal finance range.

  • We’ve launched a NEW 2 year fixed rate First Charge Prime Plus product.

  • The rate will be 4.99% for capital repayment and 5.49% for interest only.

New 0.65% Regulated Bridging rate plus much more. 

As we move into February we’re excited to share with you some further enhancements to our products.

Personal finance changes:
  • We’ve reduced our Regulated Bridging rate to 0.65% with a max LTV of 50% and 0.75% with a max LTV of 70%. We’re also increasing the procuration fee to 2%.

  • On our first charge 5 year fixed product we’ve reduced the rate to 5.99% on capital repayment and 6.49% for interest only.

  • We’ve also launched a new 5 year fixed rate on our Consumer Buy-to-Let product at 6.99%.

Additional Information:

We will be introducing early repayment charges on our first charge 5 year fixed product.

We’ve also recently changed our criteria across our personal finance products to allow more cases to use Hometrack’s automatic valuation model in a move designed to reduce costs and speed up mortgage applications.

Commercial finance changes:
  • On our Residential Bridge, Buy-to-Let and Homeowner Business Loans we’re increasing the LTV to 75% for a purchase and 70% for a refinance or second charge.


To find out more and view the latest product information, click below.


View our products >
Changes to use of digital valuations across personal finance product range. 

We’re excited to tell you about a number of changes we’ve made to our product range.

We also need to update you on a change to the way we’re processing cases, in regards to our ‘minimum requirements’ documents, as well as a change to the way we disburse funds when we’re completing an application with an element of debt consolidation.

We’ve recently introduced criteria changes to allow more automatic property valuations in a move designed to reduce costs and speed up mortgage applications.

Take a look at the full changes in detail.


Further information >

Changes - Personal finance products.
  • In November we increased the LTV on all of our personal finance products from 60% to 65% and we’re excited to tell you that this is increasing further again. All of our personal finance products now have a max LTV of 70% across our A and B (standard property) types.

  • Please note: If a case is C type (non-standard property) then the max LTV will be 10% less than the standard LTV (to a minimum 50% LTV).

  • On our second charge product range we’re reducing the minimum loan size from £50K to £30K.

Changes - Commercial finance products.
  • On our residential unregulated bridging loans we'll now accept loans up to £2m. Anything over £2m will still have to be by referral only.

  • We're also increasing our Buy to Let maximum loan size to £2m.


View our products >
Changes to minimum requirements documents. 

When submitting a case for either a Commercial Term or Buy to Let application, we’ve allowed some flexibility around the submission of the ‘minimum requirements’ documents as listed on the My Broker Venue checklist. As we’ve started to process the cases submitted though we’re finding that this is causing delays and in some cases, changes our lending decisions once all of the documents are submitted.

From 14th December we need to have all of the ‘minimum requirements’ documents listed below upfront. We won’t start to process your Commercial Term and Buy to Let application until we’ve received all of these documents.

If any documents are missing we’ll send a reminder after 7 days. If we haven’t received the documents after 14 days, we’ll be cancelling the case.

  • Minimum requirements for internal applications: Proof of income, Valuation, Loan Agreement and Legal Charge.

  • Minimum requirements for solicitors applications: Proof of income, Valuation, Corporate Structure form for company applications.

Changes to fund disbursement – debt consolidation. 

If you’re submitting an application with an element of debt consolidation and as part of this application we’re redeeming existing debt, you’ll now need to send creditor statements for all items you wish to clear. We’ll no longer accept handwritten account details on our debt consolidation form. The creditor statement needs to be on headed paper and it must include the account number, sort code and an unredacted reference number. This will mean that more creditors are cleared at the first attempt.

Thank you for understanding that we need to make these changes. All of the above changes are to ensure that we have the best possible processes in place as well as allowing us to provide a faster turnaround for both you and your clients.

If you want to get in touch about any of our products and changes or discuss a case, simply call our team on 0161 933 7100.

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