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Residential mortgages for complex cases.

Helping you overcome clients’ finance hurdles. 0371 454 3545 or arrange a call back

  • Loans from £3,000 to £1,000,000.
  • Fixed rates from 3.99%.
  • Variable rates from 6.37%.
  • Interest-only options.
  • Up to 75% LTV available.
Making residential mortgages simple

If you’re working with clients who have multiple sources of income, an unusual property, or less-than-perfect credit history, it can be tough to find the right lender.

At Together, our residential mortgages work for a broad range of borrowers. From the self-employed and pensioners, to people on benefits, and even those with CCJs.

Our mortgages include:
  • Free valuations.
  • The option to overpay by up to 5% every year, with no penalties.
  • Up to four incomes per application, to help with affordability.

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We look at multiple sources of income, such as rental income, bonuses, overtime and more, when assessing affordability. And we have no minimum income requirements, and accept up to 100% benefits income.

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Later-life lending

We take up to 100% of pension income into account, offer products with no early repayment charges, and applicants can be aged up to 80 at the end of the repayment term.


We cater for all types of self-employed applicants, with just 12 months' trading. From limited companies, sole traders and partners, to fixed-term contractors and freelancers.

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We accept small credit blips including CCJs and defaults – even within the last year - and can often help even if a client has little or no UK credit history.

Request a call back

Our Broker Relationship Team are here between 9am – 5pm. You can call them on 0161 451 3154 or simply fill out the form below and one of the team will be in touch shortly.