Right to Buy

Own the council house or flat you already love. Check my eligibility

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We can often help when others won’t

We don’t rely on credit scores alone when deciding whether or not to approve a mortgage application.

We understand that real lives rarely fit conveniently into tickboxes. So we look at every application on its merits, and use our common sense.

It’s an approach we’ve been applying for over 40 years. In that time, we’ve helped hundreds of people buy their council homes. So they can create a future for their families, and make happy memories for years to come. See our step by step guide Right to Buy explained, step-by-step >

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
  • 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 0330 127 9715 between 9am and 5:30pm, Monday to Friday.

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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.

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.

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