Why choose a Together secured loan?

A Together secured loan may offer you a lower interest rate than unsecured lending – including things like credit cards and hire purchase agreements.

We offer both commercial secured loans and personal secured loans, plus we're flexible on the properties you can secure your loan against and the people we'll provide a loan to. So whatever your circumstances, we'll take a look at your application.

And – unlike some lenders – we consider your individual circumstances, not just your credit profile, when making a decision. Because we understand that life happens, and there's more to your story than just numbers. It's not rocket science, but it means we can often lend when others can't.

How do you decide my interest rate?

The rate you're offered may be influenced by a number of factors, including:

  • How much you need to borrow (both in total, and as a percentage of your property's value).
  • Whether you choose a variable or fixed-rate loan (although we may not offer you a choice).
  • Your credit history (but not your credit score).

What fees will I have to pay?

We charge an Arrangement Fee.

We charge a Redemption Administration Fee when you 'redeem' (i.e. fully repay) your mortgage, to cover costs associated with closing your account and dispensing our legal claim to your property.

All of 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 mortgage, 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.

How do I get in touch?

Picture of a cartoon phone in purple circle, with the circle inside a speech bubble. Call - 0161 933 7059
We’re here between 9am and 5:30pm, Monday to Friday.

Any property used as security, including your home, may be repossessed if you do not keep up repayments on your loan or any other debt secured on it.