Your home may be repossessed if you do not keep up repayments on your mortgage.
Kate was about to close on a new build home and had a mortgage in place with a high-street bank. That was until they let her down at the last minute, due to historical missed payments on her credit profile. Thankfully we stepped in. Kate first spoke to Together on Christmas Eve and we were able to provide the funds she needed for the purchase in just four working days. Job done.
Figures and details from a real Together mortgage customer. All personal information anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.
Amount sought
Desired term
Time from application to funding
Meeting most mortgage lenders rigid criteria can be tricky. We believe that not every scenario can be covered by ticking a box, that's why we take a common sense approach to offering our products. Designed to take your circumstances into account rather than just your credit score - if the sums add up, we can help you secure your next property, even if it's classed as non standard.
We are flexible when it comes to income, accepting up to 100% of benefits and deposits gifted by close relatives. You can also apply with a joint borrower - someone that will be on the mortgage policy but will not live at nor own the property.
We can also accept automated valuations for your property, using data from a range of existing databases to automatically calculate a value, greatly reducing the timescales to access funds.
Do you want to understand the potential cost of your mortgage or loan?
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.
Find out hereWe'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.
There are lots! Your mortgage can last up to 40 years. 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.
The rate you're offered may be influenced by several factors, including:
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 checklistIt 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.
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.
As an existing customer looking to refix, you can be sure that the rate that we offer you will never be higher than the rate we’ll offer new customers on the same product at the same time.
Get in touch with our team by calling us so we can discuss the best options for you.
• Personal customers: 0161 933 7069.
• Commercial customers: 0161 933 7165.
We're open 09:00 to 17:30 Mon-Thu, 09:00 to 19:00 Fri.
Find out moreWe'll happily look at your current circumstances and see what options that are available for you. Please give us a call:
• Personal customers: 0161 933 7069.
• Commercial customers: 0161 933 7165.
We're open 09:00 to 17:30 Mon-Thu, 09:00 to 19:00 Fri.
Find out more
