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Mortgages for first-time buyers

Helping you with a leg up onto the property ladder.
 0207 858 2809 or enquire today

  • Borrow up to £500,000, over up to 40 years.
  • Fixed rates from 6.99%/month*.
  • t-doc-tick-white-02 No early repayment charges.
  • Variable rates from 6.65%*.
  • Borrow up to 65% of the property’s value.
* The maximum loan, rate and loan-to-value ratio offered will depend on your individual circumstances.
  4.6/5 average rating by independent customer feedback

Why choose Together?

No Early Repayment Fees

We don't think it's fair to punish you for repaying early - so the sooner you repay your mortgage, the less it’ll cost you.

Vast Experience

With over 45 years' experience in lending 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 you can afford the property, we do our best to make it happen.

Enquire today


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.


How to apply

Simply fill in the form below and a member of our team will call you back to discuss your individual circumstances, and the amount and rate we could offer you. If after that you're happy to proceed, we'll get your application moving.

Submitting this form will have no impact on your credit score.

Enquire today

We’re here between 9am and 5:30pm, Monday to Friday. We'll reply to you within one working day of receiving your enquiry - and usually the same day.

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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.

Personal mortgage FAQs

Helping you find the right answers to our personal mortgages.

Find out more

Your shortcut to the property ladder

Mortgages for Shared Ownership schemes.

Find out more

Right to Buy

Own the council house or flat you
already love.

Find out more

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Customer Rating 4.6

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