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 Mark and Amy, two new customers we helped recently.
Mark and Amy had found their ‘forever home’ and they’d had their mortgage approved with a major bank.
However, despite them both being professionals with good salaries and perfect credit histories, the bank ultimately went back on their decision when they realised that both Mark and Amy had been self-employed for just over 12 months.
With just a few weeks until they needed to complete on their dream home, the couple needed a lender that could help them and move fast. So they spoke to Together, and we funded the deal in just 8 working days. Ready to see how we could help you?
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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 £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. Click here for more information on THMR.
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.
Do you want to quickly understand the potential cost of your mortgage?
We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.
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.
Have a conversation with a member of our friendly, expert team.
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It typically takes several weeks to arrange a mortgage.
As a responsible lender, we're duty bound to ensure you can afford the loan you're applying for. So we may take longer to underwrite your case, or request more documentation.
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.
We provide mortgages for many types of property, whatever the situation.
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