Lender Profile
Together Secured Loans
From 8.50% APR — one of the UK's largest specialist lenders, built around taking on the cases mainstream lenders won't.
About Together
Together has been lending since 1974, and in that time has built a reputation for saying yes to cases that don't fit a standard tick-box. Where they stand out isn't just credit history — it's the breadth of what they'll actually lend against and who they'll lend to.
On property, Together will consider things many lenders won't touch: ex-council flats and maisonettes, non-standard construction, high-rise buildings, and semi-commercial properties with a residential element. On income, they're comfortable with self-employed applicants, contractors, zero-hours workers, and even those relying on benefits or a pension — assessed on the actual numbers rather than a rigid formula.
Credit history is just one part of the picture. A few missed payments or an old default won't automatically rule you out, and even resolved IVAs or past bankruptcy can be considered once things have settled down. It's this combination — flexible on property, flexible on income, and pragmatic on credit — that makes Together a genuine option when other lenders have already said no.
Product range: Secured loans from £30,000 to £300,000 (higher available at lower LTV) on a capital repayment basis, over 3–30 years. 2-year or 5-year fixed, or variable. Home improvements, debt consolidation, and other legal purposes. Standard, non-standard, ex-council, high-rise, and semi-commercial properties considered.
Best for
- Non-standard, ex-council, high-rise, or semi-commercial properties
- Self-employed, contractor, or benefits/pension income that doesn't fit standard affordability checks
- Borrowers with a mixed credit history, including past IVAs or bankruptcy once resolved
- Cases that have already been declined elsewhere for not fitting the mould
Key facts
- Established
- 1974
- Min Loan
- £30,000
- Max Loan
- £300,000 (higher available at lower LTV)
- Max Term
- 30 years (3–30 year terms)
- Max Ltv
- 75% (65% on non-standard properties)
- Fee
- £1,995 lender fee
- Credit Tier
- Mixed credit history considered — including past IVAs and bankruptcy once resolved
- Rate Structure
- From 8.50% APR (5-year fixed); 2-year or 5-year fixed, or variable
- Completion
- Standard second charge timescales — confirmed at quotation
- Property Eligibility
- Standard, non-standard, ex-council, high-rise, and semi-commercial properties (with a residential element) considered. Non-standard properties capped at 65% LTV.
Pros
- +Genuinely flexible on property type — where many lenders draw hard lines, Together will consider a case
- +Comfortable with complex or non-standard income
- +Long track record — lending since 1974
- +Past financial difficulty doesn't mean an automatic no
Cons
- −Non-standard properties are capped at a lower maximum LTV
- −Fixed rate products carry an early repayment charge if paid off early
- −Interest-only isn't available if you're using the loan for debt consolidation
Together FAQs
What makes Together different from other secured loan lenders?
Together's main strength is flexibility — on property type, on income, and on credit history. They'll consider non-standard construction, ex-council, and high-rise properties that many lenders won't, and take a common-sense view of self-employed, contractor, and benefit income. It's a good option if you've been declined elsewhere for not fitting a standard criteria checklist.
Will Together consider me if I've had credit problems?
Yes — a few missed payments or an old default won't rule you out, and even a past IVA or bankruptcy can be considered once resolved for a couple of years. Your adviser can talk through your specific situation.
Is Together a genuine, regulated lender?
Yes — Together has been lending since 1974 and is authorised and regulated by the Financial Conduct Authority.
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.