Mortgages for first-time buyers

Helping you with a leg up onto the property ladder
Check my eligibility

  • Borrow up to £500,000*, over up to 40 years.
  • Fixed rates from 5.79%/month*.
  • Variable rates from 6.49%*.
  • Borrow up to 75%* of the property’s value.
* The maximum loan, rate and loan-to-value ratio offered will depend on your individual circumstances. Full approval is subject to a full review and underwriting criteria being met.
  4.9/5 average rating by independent customer feedback



We understand every situation is unique

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

How we helped Kate
Reason turned down by high street bank Historical missed payments
Amount sought £205,000
Desired term 14 years
Rate 6.99%
Time from application to funding 4 days

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.

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
  • Able to provide a deposit of at least 25% for the property you plan to buy

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

Ready to talk?

Have a conversation with a member of our friendly, expert team.

Enquire now

Why choose a Together personal mortgage? 

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.

How do you decide my interest rate? 

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.

What documents do I need to apply? 

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.

What fees will I have to pay? 

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.