Together Money mortgage rates and review June 2024

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

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.

Compare Together Money’s mortgage rates

1 - 5 of 18
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Apply link
Together 5 Years Fixed
Together 5 years Fixed
7.99% fixed for 5 years
11.3% variable
65%
10.2% APRC
View details
Together 5 Years Fixed
Together 5 years Fixed
8.19% fixed for 5 years
11.3% variable
70%
10.4% APRC
View details
Together 5 Years Fixed
Together 5 years Fixed
8.19% fixed for 5 years
11.3% variable
75%
10.3% APRC
View details
Together 2 Years Fixed
Together 2 years Fixed
8.2% fixed for 2 years
11.3% variable
65%
11.2% APRC
View details
Together 5 Years Fixed
Together 5 years Fixed
8.24% fixed for 5 years
11.3% variable
65%
10.4% APRC
View details
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Compare Together buy-to-let mortgage rates

Table: sorted by initial rate
1 - 5 of 12
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Together 5 years Fixed
6.95% fixed for 5 years
11.64% variable
65%
10% APRC
View details
Together 2 years Fixed
7.1% fixed for 2 years
11.64% variable
65%
11.1% APRC
View details
Together 5 years Fixed
7.15% fixed for 5 years
11.64% variable
75%
10.1% APRC
View details
Together 5 years Fixed
7.2% fixed for 5 years
11.64% variable
65%
10.1% APRC
View details
Together 2 years Fixed
7.3% fixed for 2 years
11.64% variable
75%
11.4% APRC
View details
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.63% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £1002.56 and 240 monthly payments of £1214.16. Total amount payable £351,932.00 includes loan amount, interest of £173,552, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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.

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).

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Matthew Boyle

Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full profile

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