Together Money secured loans

If you don't have a great credit history, you might be considering Together. It offers a range of secured loans based on your individual circumstances, not your credit score.

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Together
Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on it.

Together is an authorised lender with over 45 years of lending experience. Covering both personal and commercial needs, Together offers a range of secured loans to those with a poor to good credit history. If you’re concerned about your credit profile, Together makes a decision on your individual circumstances and not just your credit score.

Compare Together secured loans

Table: sorted by overall cost for comparison (representative APRC)
Name Product Maximum LTV Loan amounts Loan terms Overall cost for comparison
Together Specialist BTL 2nd Charge
65%
£30,000 to £1,000,000
4 to 30 years
7.3% APRC
Together Flexi BTL 1st Charge
65%
£30,000 to £1,000,000
4 to 30 years
7.4% APRC
Together Specialist BTL 2nd Charge
75%
£30,000 to £1,000,000
4 to 30 years
7.5% APRC
Together Flexi BTL 2nd Charge
65%
£30,000 to £1,000,000
4 to 30 years
7.6% APRC
Together SPECIALIST BTL 1ST CHARGE
65%
£30,000 to £1,000,000
4 to 30 years
7.7% APRC
Together Flexi BTL 1st Charge
75%
£30,000 to £1,000,000
4 to 30 years
7.7% APRC
Together Flexi BTL 2nd Charge
75%
£30,000 to £1,000,000
4 to 30 years
7.8% APRC
Together SPECIALIST BTL 1ST CHARGE
75%
£30,000 to £1,000,000
4 to 30 years
7.9% APRC
Together SPECIALIST BTL 2ND CHARGE
75%
£30,000 to £2,500,000
4 to 30 years
7.9% APRC
Together Specialist BTL 2nd Charge
65%
£50,000 to £250,000
4 to 30 years
8.2% APRC
Together Flexi BTL 1st Charge
65%
£50,000 to £250,000
4 to 30 years
8.4% APRC
Together Specialist BTL 2nd Charge
75%
£50,000 to £250,000
4 to 30 years
8.4% APRC
Together Flexi BTL 2nd Charge
65%
£50,000 to £250,000
4 to 30 years
8.5% APRC
Together Specialist BTL 1st Charge
65%
£50,000 to £250,000
4 to 30 years
8.6% APRC
Together Flexi BTL 1st Charge
75%
£50,000 to £250,000
4 to 30 years
8.6% APRC
Together Flexi BTL 2nd Charge
75%
£50,000 to £250,000
4 to 30 years
8.7% APRC
Together Specialist BTL 1st Charge
75%
£50,000 to £250,000
4 to 30 years
8.9% APRC
Together FLEXI BTL 1ST CHARGE
75%
£30,000 to £2,500,000
4 to 30 years
9% APRC
Together SPECIALIST BTL 2ND CHARGE
75%
£30,000 to £2,500,000
4 to 30 years
9.2% APRC
Together FLEXI BTL 2ND CHARGE
75%
£30,000 to £2,500,000
4 to 30 years
9.5% APRC
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Overall representative example
If you borrow £43,000 over 16 years at a rate of 10.25% variable, you will pay 192 instalments of £505.18 per month and a total amount payable of £96,994.56. This includes the net loan, interest of £49,404.56, a broker fee of £3,995 and a lender fee of £595. The overall cost for comparison is 12.7% APRC variable.

Together secured loans

Together offers a variety of secured loans such as:

  • Debt consolidation: Consolidating debt can sometimes simplify repayment plans by allowing you to manage multiple debts. For example, if you have multiple loans from different lenders or any high-interest debt (often from credit cards), you can take out a debt consolidation loan to repay these. Something to consider, depending on your situation, you may end up repaying more in total.
  • Home improvement: Often referred to as a ‘second-charge mortgage’, these loans will allow you to borrow in addition to your existing (first-charge) mortgage for any improvements or repairs that you would like to make on your property. Together offers second-charge mortgages on a variety of properties, including ex-council and high-rise flats.
  • Home business loans: If you’re starting a business or need more funding for your current one, Together offers secured loans for home business purposes. These loans will be secured against the equity on your home.
  • You should only apply for a secured loan if you’re certain you can meet the repayment terms, if you miss repayments your property may be repossessed.

Key features of Together secured loans

  • Repay over 4 to 30 years. Your repayment term will depend on your individual needs and circumstances.
  • Borrow £20,000 to £2.5 million. Together allows you to borrow up to 75% of the value of your home, less the outstanding mortgage.

Am I eligible for a Together secured loan?

To apply for a Together secured loan you must be a UK resident aged 18 to 85 years.

Together offers loans based on a case by case human decision rather than an algorithm of a credit reference agency, if you have received a county court judgement (CCJ) in the past, you may still be eligible. However, you should only apply for loans if you know you can meet the repayment requirements.

How do I apply?

You can apply for a Together secured loan directly from Together’s website or over the phone.

To get a better understanding of your circumstances and what you would like to borrow, an advisor will ask you a series of personal and financial questions. Together offers loans based on individual circumstances rather than your credit score.

Overview of Together Money secured loans

Loan amounts From £20,000 to £2,500,000
Age From 18 to 85 years
Term From 4 to 30 years
Maximum LTV Up to 75%
Representative APRC Up to 15.4%
Lender fee from £795

Frequently asked questions

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