Together Money mortgage review September 2020

Together Money is the lender that evaluates applications on a case-by-case basis without relying on a credit score. It uses underwriters not computers to make its lending decisions.


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Together Money
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Together Money’s vast range of mortgage types means that most applicants should be able to find a deal suitable for them especially those who get rejected by other lenders.

Mortgages on most property types – including ex-council houses, high-rise properties and non-standard constructions – will be considered. Those with recent CCJs and defaults may still be eligible.

What types of mortgage does Together Money provide?

  • Fixed-rate mortgages. A fixed-rate mortgage is ideal for those looking for certainty with regards to the size of their monthly repayments. Together Money’s fixed-rate mortgages have a five-year term. After five years, you’ll be switched onto a tracker rate fixed at a certain percentage above the Bank of England base rate. The maximum loan-to-value is 75%.
  • Shared ownership mortgages. Together Money is happy to consider mortgages arranged under the government’s Shared Ownership scheme. This involves the buyer purchasing a percentage of the property and paying rent on the remainder of it. The buyer then has the option to purchase larger shares of the property when they can afford it.
  • Buy-to-let mortgages. The lender offers buy-to-let mortgages for landlords in a range of circumstances. There are specialist products for accidental landlords, holiday lets and semi-commercial properties among others.
  • Remortgages. The lender offers fixed rates and variable rates for those looking to remortgage. You could be eligible to borrow up to 70% of the property value and your legal fees will be covered.
  • Regulated bridging loans. These short-term loans are perfect for those who want to buy a new property, but haven’t sold their existing home. You pay back the loan in full at the end of the term (up to 12 months). Together gives you the choice to either pay interest monthly or roll it up and add it to your capital repayment.

Together Money also offers commercial mortgages, auction finance and secured personal loans.

Together Money

Together Money | Specialist mortgage lender

  • Award-winning specialist mortgage lender
  • We'll take everything you earn into account
  • Self-employed applications need just 12 months' trading
  • CCJs and Defaults accepted – even in the last year
  • Available on a variety of properties, including high-rise, ex-council and others

How do I contact Together Money?

You can contact Together Money’s mortgage experts by calling 0330 127 7938. Alternatively, you can fill out the callback form on its website.

The team works between 09.00 and 20.00 on Monday to Thursday and 09.00 and 19.00 on Fridays.

How do I apply for a Together Money mortgage?

You can apply for a Together Money mortgage over the phone.

The lender’s mortgage expert will ask for a few personal and financial details so they can recommend the best available product for you. They will then guide you through the full application process. This will involve you sending documents, such as wage slips or bank statements.

Your eligibility will be decided by a human, not the algorithm of a credit reference agency.

Eligibility criteria

Applicants must be at least 18 years old and no older than 80 at the end of the mortgage term.

The maximum mortgage size is £1,000,000 and borrowers must stump up at least 25% of the mortgage value as a deposit. Mortgage terms can be between 3 and 40 years.

All income types will be considered, as will applicants with CCJs and defaults (even in the last 12 months).

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