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Intermediaries site
Intermediaries site

Right to Buy

Own the council house or flat you
already love. 0207 858 2809 or enquire today

  • Borrow up to £500,000, over up to 40 years.
  • Fixed rates from 6.99%/month*.
  • t-doc-tick-white-02 No early repayment charges.
  • Variable rates from 6.65%*.
  • Borrow up to 60% of the property’s value.
* The maximum loan, rate and loan-to-value ratio offered will depend on your individual circumstances.
  4.7/5 average rating by independent customer feedback

Why choose Together?

No Early Repayment Fees

We don't think it's fair to punish you for repaying early - so the sooner you repay your mortgage, the less it’ll cost you.

Vast Experience

With over 45 years' experience in lending 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 you can afford the property, we do our best to make it happen.

Enquire today


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 >


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.


How to apply

Simply fill in the form below and a member of our team will call you back to discuss your individual circumstances, and the amount and rate we could offer you. If after that you're happy to proceed, we'll get your application moving.

Submitting this form will not impact your credit score.

Enquire today

We’re here between 9am and 5:30pm, Monday to Friday. We'll reply to you within one working day of receiving your enquiry - and usually the same day.

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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

Step by step process

Getting a Right-to-Buy mortgage in 6 simple steps

Find out more

Personal lending enquiry

Talk to our expert personal finance team today.

Find out more

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Customer Rating 4.7

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