Mortgages for first-time buyers

Helping you with a leg up onto the property ladder.
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Borrow up to £500,000, over up to 40 years.
Fixed rates from 4.29%/month*.
Variable rates from 6.65%*.
Borrow up to 70% of the property’s value.

* The maximum loan, rate and loan-to-value ratio offered will depend on your individual circumstances.

4.5/5 average rating by independent customer feedback

Why choose Together?

Vast Experience

With over 45 years of lending experience under our belts, you can trust us to get things right for you.

Common Sense Decisions

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.

More Properties Accepted

Unlike many, we lend on the properties typically available, like ex-coucil properties, high-rise flats and those made of non-standard materials.

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A helping hand onto the property ladder

In a fast-changing world, we take comfort in the things that never change. So it’s easy to understand why so many of us still dream of owning our own home.

But that fast-changing world means it can seem harder than ever to get on the housing ladder. You might work freelance, or have a temporary contract. You might rely on monthly bonuses, overtime or tax credits to top up your wages. Your parents might be helping you out with your deposit. But some lenders aren’t keeping up with our changing lifestyles, and that could make getting a mortgage harder than you realised.

At Together, you’re not just a credit score. We look at the bigger picture, and get to know the person behind the numbers instead. After all… if the sums show you can afford it, we think you should have it. It sounds obvious when you put it that way. But it means we’ve helped lots of people buy their first home over the years, when others couldn’t.

Overall cost for comparison

For example: A mortgage of £115,559 payable over 24 years, initially on a fixed rate for 5 years at 6.99% (and then on a tracker rate for the remaining 19 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £846.05 followed by 231 monthly payments of £824.52 plus a redemption administration fee of £110.00.

The total amount payable would be £241,336.47 made up of the loan amount (£115,559) plus interest on the loan (£119,783.09), arrangement fee (£2,888.98) plus interest on this fee (£2994.60) and the redemption administration fee (£110.00).

The overall cost for comparison is 7.3% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

Check your eligibility & enquire

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:

Based in the UK
Aged between 18 and 85
Looking to borrow no more than £500,000 and no more than 70% of the purchase price of the property you plan to buy
Not on furlough or a secured deferred payment plan
Not at risk of redundancy

Approval is based on a credit check and an assessment of your individual circumstances.

Ready to talk?

Enquire today for a callback from a member of our friendly, expert team.

Enquire now

Or call us directly on 0161 933 7113 between 9am and 5:30pm, Monday to Friday.

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.

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