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Intermediary site
Intermediary site

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 4.29%/month*.
  • Variable rates from 6.65%*.
  • 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.
  4.6/5 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.

Check my eligibility


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?

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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.

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 75% 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 0371 705 1635 between 9am and 5:30pm, Monday to Friday.

Feefo Trust Service Award logo for 2021

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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