Thinking of remortgaging?

For when your circumstances have changed
Check my eligibility

Borrow up to £500,000, over up to 40 years.
Fixed rates from 3.59%/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.

4.9/5 average rating by independent customer feedback

Why choose Together?

Picture of a cartoon pen drawing a line.

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-council properties, high-rise flats and those made of non-standard materials.

Check my eligibility

Life happens

So it’s normal for your circumstances to have changed since you last got a mortgage. Perhaps you’ve had a missed payment, your employment status has changed, or your relationship has ended.

Fortunately we don't mind if you're simply looking for a new rate to reduce your repayments, or want to borrow more to complete renovations or consolidate debts.

We don’t just rely on credit scores to make our lending decisions. Instead, we see the person behind the numbers. All of which means we can often lend when others can’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.

Common questions about remortgaging

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 long does it take to arrange a mortgage?

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.

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.

You should think carefully before choosing to use a secured loan to repay credit which is unsecured, because with a secured loan your home may be at risk if you do not maintain the repayments. In addition, when using a loan to consolidate other debts you may increase the total amount repayable.

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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