Secured Loans from Together Money
Overview of Together’s second charge mortgages. Find out how Together Money caters to unique borrower circumstances with secured loans.
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Spotlight on Together Money
Together Money is an award-winning UK lender offering finance that falls outside of mainstream lending. They cater to businesses and homeowners who need a flexible solution to help with debt consolidation, home improvements, auction property, and more.
Secured homeowner loans
Together's secured homeowner loans allow you to borrow funds using your home as collateral. They come in two main types - debt consolidation and home improvement loans - with the following terms:
- Loans from £20k to £750k
- Rates from 8.10% (typically starting fixed before moving to variable)
- Available without early repayment charges (ERCs)
- Borrow up to 75% of your property's value
- Automated valuations available
Loan purposes and eligibility
Together Money supports borrowers with diverse needs and finances. They're flexible on income and credit status, and encourage a range of applicants:
- Self-employed with just 12 months' trading
- Multiple incomes or a zero-hours contract
- Retired borrowers or those retiring before the loan is repaid
- Credit challenges including arrears, defaults, or CCJs
- Non-standard homes built with materials like concrete or timber
- High-rise flats and properties with six storeys or more
- Older applicants up to age 80 at term-end
Summing up
Together Mortgages offers second-charge loans that run alongside your existing mortgage - and they're flexible on property type, credit history, rate, and many products come without early repayment charges. A common-sense approach to match diverse needs.
Frequently Asked Questions: Secured Loans
What can I use a Together Money loan for?
You can use a Together Money loan for a range of purposes, whether it's home improvements, debt consolidation, breaking a property chain, or downsizing. They're also suitable for big purchases like weddings or helping a family member with a property deposit.
Why choose Together Money?
Together Money offers flexible secured loans that work around your existing mortgage, so you can keep your current rate. Their expert team takes a simple, transparent approach to lending, helping you find the right loan quickly and efficiently. Always check the terms and seek advice if you're at all unsure.
Which property types are accepted as security?
Together can accept a wide range of property types - even those that mainstream lenders might not. Houses, bungalows, ex-council homes, or flats in a high-rise blocks could all be eligible. Homes built with non-standard materials like concrete or timber may also be accepted.
Is my home at risk with a Together Money loan?
As with any secured loan, if your home is used as collateral, it could be at risk if you're unable to keep up with repayments. Together Money will always ensure you fully understand the terms before you commit, but it's sensible to seek independent advice if you're at all unsure of your ability to repay.
How does a debt consolidation loan work?
Debt consolidation loans let you combine multiple debts into a single loan. You'll receive a lump sum to pay off your existing balances, leaving you with just one monthly repayment to manage. This can make it easier to keep track of what you owe and, depending on the rate and terms, may reduce the overall interest you pay.
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