With over 45 years of lending experience under our belts, you can trust us to get things right for you.
You're more than a credit score. If the sums show that you can afford the property, we do our best to make it happen.
Unlike many, we lend on the properties typically available, like ex-council properties, high-rise flats and those made of non-standard materials.
Here's the story of Kate, a new customer we helped recently.
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.
She was also under pressure to meet a deadline with the house builder to secure the discount they'd offered her.
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. Ready to see how we could help you?
Check my eligibility
Figures based on an actual Together mortgage customer. All personal details anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.
For example: A mortgage of £145,500 over 16 years, initially on a fixed rate for 5 years at 5.99% (and then on a rate for the remaining 11 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £1,209.35 followed by 132 monthly payments of 1,279.48, plus a redemption administration fee of £110.00.
The total amount payable would be £241,562.36 made up of the loan amount (£145,500) plus interest on the loan (£90,289.09), arrangement fee (£3,638) plus interest on this fee (£2,025.27) and the redemption administration fee (£110.00).
The overall cost for comparison is 7.1% APRC representative.
The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.
At Together, our flexible approach means that we can often lend where others can't. If you fit our criteria, we'll do everything we can to make it happen.
To be eligible to borrow from Together, you need to be:
Approval is based on a credit check and an assessment of your individual circumstances.
Enquire today for a callback from a member of our friendly, expert team.
Or call us directly on 0161 933 7059 between 9am and 5:30pm, Monday to Friday.
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.
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 property you're taking out the mortgage for. • Your credit history (but not your credit score).
Our personal mortgages rates tend to be higher than many mainstream lenders, because of the extra risk associated with the mortgages we provide. So if we think the products available on the high street are better suited to your circumstances, we'll suggest you shop around before completing an application with us.
We look at the property's market value when calculating these figures. So if you're buying a Shared Ownership property, or are receiving a discount through the Right to Buy scheme, you may be able to borrow up to 100% of your purchase price.
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.
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.
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.
Helping you find the right answers to our personal mortgages.
Get onto the property ladder with a shared ownership property.
Own the council house or flat you already love.