Home improvement, renovation and construction loans

Raise money to repair, extend or renovate.
Check my eligibility

Borrow from £30,000 to £250,000.*
Over 3 to 30 years.
Fixed rates from 4.29%*.
Variable rates from 6.65%*.
Maximum loan-to-value of 75%

The maximum loan, rate and loan-to-value ratio offered may be reduced depending on the property and your credit profile.

4.9/5 average rating by independent customer

Why choose Together?

Picture of a cartoon pen drawing a line.

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.

Enquire today

Life happens

If you already have a mortgage and want to borrow again, there are several options. A secured loan may be worth considering if your circumstances have changed, and remortgaging out of your existing deal isn’t the best option. Perhaps your employment status or credit rating has changed. Or perhaps the property needs significant repairs, and its valuation has slipped as a result.

Known as a 'second-charge mortgage', this loan is secured against your home and will run alongside – but independent of – your existing mortgage. It has its own rate and terms, so you could borrow over a shorter period than remains on your current mortgage. Which means you may pay back less in the long term, compared to remortgaging.

We know you’re more than just a credit report, that's why we get to know the person behind the numbers, so our underwriters make their decision based on your individual circumstances, every time. It’s not rocket science, but it means we can often lend when others won’t.

Overall cost for comparison

For example: A mortgage of £91,676 payable over 20 years, initially on a fixed rate for 5 years at 6.99% (and then on a tracker rate for the remaining 15 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £735.12 followed by 175 monthly payments of £720.00 plus a redemption administration fee of £110.00.

The total amount payable would be £170,216.06 made up of the loan amount (£91,676) plus interest on the loan (£74,281.13), arrangement fee (£2,291.90) plus interest on this fee (£1,857.03) and the redemption administration fee (£110.00).

The overall cost for comparison is 7.4% 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 80
Looking to borrow no more than £250,000 and no more than 75% 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 0333 242 7241 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.

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