Lender Profile
Together Money Secured Loans
Major UK specialist lender with broad criteria including adverse credit and non-standard property.
About Together Money
Together is one of the largest UK specialist lenders, founded in 1974 and active across second charge mortgages, bridging, BTL, and commercial finance. They are a frequent choice for borrowers whose case sits outside mainstream criteria — adverse credit, complex income, non-standard property, or unusual circumstances.
Together's second charge product range starts from around 8.0% APR and extends to higher rates for adverse credit cases. They lend up to £500,000 on residential second charge with broad property type acceptance — including ex-local authority, certain non-standard construction, and properties that other lenders may decline.
Their underwriting is human-led with senior underwriters happy to discuss complex cases before submission. As one of the longest-established specialists in the UK market, Together has consistent appetite for cases that other panels can't place.
Product range: Second charge mortgages on 2-year and 5-year fixed rates with variable revert. Broad criteria covering clean credit, minor adverse, and discharged bankruptcy cases. Strong on non-standard property.
Best for
- Borrowers with adverse credit including CCJs, defaults, and discharged bankruptcy
- Non-standard property — ex-local authority, certain construction types
- Self-employed with complex or limited income evidence
- Cases declined elsewhere where a flexible underwriter is needed
Key facts
- Established
- 1974
- Parent Company
- Together Financial Services Limited (FCA FRN 305253)
- Min Loan
- £10,000
- Max Loan
- £500,000 (residential second charge)
- Max Term
- 30 years
- Max Ltv
- 75% combined (most products)
- Fee
- £995–£1,995 arrangement fee, tiered
- Credit Tier
- Clean to moderate adverse including discharged bankruptcy
- Rate Structure
- 2-year and 5-year fixed, then variable revert
- Completion
- Typically 3–4 weeks
- Property Eligibility
- Standard UK residential property. Non-standard construction and ex-local authority property considered. Combined LTV typically capped at 75%.
Pros
- +Long market tenure — established 1974, deep operational experience
- +Broad criteria — accepts cases other specialists decline
- +Strong on non-standard property and unusual circumstances
- +Accepts discharged bankruptcy from typically 12+ months post-discharge
Cons
- −Headline rates not the lowest — Together prices for risk on broader criteria
- −Combined LTV cap of 75% on most products — limited at higher LTVs
- −Arrangement fees can be higher than streamlined competitors
Together Money FAQs
What rates does Together offer on secured loans?
Together's secured loan rates typically start around 8.0% APR for clean credit cases on a 5-year fix at competitive LTVs, rising to 11–14% for moderate adverse credit cases. The exact rate reflects the credit profile, LTV, loan amount, and property type. Maximum combined LTV is typically 75%. Rates are subject to change — your adviser will confirm current pricing.
What is a representative example for a Together secured loan?
Representative example for a £30,000 secured loan over 120 months at 8.50% APR fixed for 5 years (9.30% variable thereafter): monthly repayment £372.07, total loan repayments £44,648.40, Together arrangement fee £1,495, Charles Frank Finance broker fee £2,495. Total amount payable £48,638.40. Total charge for credit (interest plus fees) £18,638.40. Representative APRC 10.0%. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.
What property eligibility does Together require?
Together accepts standard UK residential property plus a broader range of property types than most lenders — including ex-local authority, certain non-standard construction, and properties with leasehold or freehold complications. Combined LTV typically capped at 75%. A property valuation is required.
Will Together accept me with adverse credit?
Yes — Together is one of the more flexible UK secured loan lenders on adverse credit, accepting CCJs, defaults, missed payments, and discharged bankruptcy (typically 12+ months post-discharge). Rates reflect the credit profile. Cases are underwritten individually rather than via rigid scorecards.
Apply for a Together secured loan
We'll match your case against Together's criteria first — and the rest of our panel — to find the cheapest fit.