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Intermediaries site
Intermediaries site

Home improvement, renovation and construction loans

Raise money to repair, extend or renovate. 0207 858 2809 or enquire today

  • Borrow from £50,000 to £250,000.*
  • Over 3 to 30 years.
  • Fixed rates from 6.99*.
  • Variable rates from 6.65%*.
  • No Early Repayment Charges.
*The maximum loan offered may be reduced depending on the property and your credit profile.
  4.6/5 average rating by independent customer

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 loan, 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


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.


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 have no impact on your credit score.


Make an enquiry

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.

Your loan must be secured against your property.

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I am a homeowner
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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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Customer Rating 4.6

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