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Intermediary site
Intermediary site

Right to Buy

Own the council house or flat you
already love. 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 70% of the property’s value.
* The maximum loan, rate and loan-to-value ratio offered will depend on your individual circumstances.
  4.5/5 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 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.

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.


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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