Together Loans Mortgages
Residential and buy-to-let mortgages for people who don't fit the standard mould. Complex income, self-employed, adverse credit – Together Loans has a solution.
Priya has over 16 years' experience advising on specialist mortgages, including dozens of Together Loans applications for self-employed clients, portfolio landlords and borrowers with adverse credit histories.
Together Loans Mortgages: The Specialist Alternative
Together Loans mortgages occupy an important space in the UK lending market: they serve borrowers who are creditworthy but don't tick the automated boxes that mainstream banks require. With Together, a real human underwriter reads your application, understands your circumstances, and makes a genuine lending decision.
This approach – sometimes called "relationship lending" – results in a significantly higher approval rate for complex cases than a standard bank. It's why Together has built a strong following among brokers, investors and self-employed professionals across the UK.
Together Residential Mortgages
Who Is This For?
Together residential mortgages are for borrowers purchasing or re-mortgaging their main home (or a property for a close family member) who have been declined by mainstream lenders. Common scenarios include:
- Self-employed with 1 year's accounts (rather than the standard 2–3 years)
- Contractors paid via limited company or umbrella
- Multiple income sources (salary + rental + dividends)
- Previous CCJs, defaults or missed payments that have since been resolved
- Non-standard properties: ex-local authority, concrete construction, short lease
- Retirement interest-only mortgages for older borrowers
Interest-Only Mortgages
Together offers interest-only residential mortgages where a credible repayment vehicle exists. Acceptable repayment strategies include sale of the property, investment portfolio, pension lump sum, or sale of another property.
Residential Mortgage Summary
| Feature | Together Criteria |
|---|---|
| Minimum Loan | £50,000 |
| Maximum Loan | £1 million+ (case by case) |
| Maximum LTV | 85% (standard); 75% (adverse credit) |
| Loan Term | 5–40 years |
| Repayment | Capital & interest or interest-only |
| Self-Employed | 1 year accounts considered |
| Adverse Credit | Considered on merit |
| Property Types | Standard & non-standard |
Expert Tip
If you've been declined by a high-street lender, don't make multiple applications elsewhere immediately – each hard credit search can further damage your score. Instead, use a specialist broker to approach Together Loans via a soft-search DIP first.
Together Buy-to-Let Mortgages
BTL Mortgage Summary
| Feature | Together Criteria |
|---|---|
| Minimum Loan | £50,000 |
| Maximum Loan | £1 million+ (per property) |
| Maximum LTV | 80% |
| Loan Term | Up to 30 years |
| ICR (Interest Cover Ratio) | From 125% at pay rate |
| Limited Company | SPV accepted |
| Portfolio Landlords | No portfolio cap |
| Property Types | Standard, HMO, MUFB, holiday let |
Who Is the Together BTL Mortgage For?
Together buy-to-let mortgages are particularly well-suited for landlords with complex portfolios or situations that don't fit standard lender criteria:
- Portfolio landlords – Together has no hard limit on number of mortgaged properties
- HMO landlords – Up to 10-bed HMOs considered
- Limited company (SPV) – Together accepts SPV applications from day one
- Holiday lets – Seasonal rental income accepted on an average basis
- Expat and overseas landlords – Considered on a case-by-case basis
- Unusual property types – Above commercial, mixed-use, ex-local authority
Semi-Commercial Mortgages
Together recently expanded their semi-commercial criteria. Properties where up to 60% of the combined floor space is used commercially may now qualify as semi-commercial, opening up more flexible lending options for mixed-use property owners.
Together Mortgage FAQs
Related Expert Guides
Self-Employed Mortgage Guide 2025
How Together assesses self-employed income. Documents, tips, criteria.
ComparisonTogether Loans with Bad Credit
CCJs, defaults, missed payments — honest expert assessment.
Expert AnalysisTogether vs High-Street Banks
6 real scenarios showing who should use which lender.
Apply for a Together Mortgage Today
Whether you're buying your home, re-mortgaging or expanding your property portfolio, Together Loans has a mortgage that may fit. Get a Decision in Principle within 24 hours.
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