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.
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)
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 15.9%
Lender fee
from £795
Frequently asked questions
Together is authorised and regulated by the Financial Conduct Authority (FCA). This means that if you take out a loan with Together, you will be protected if you come into any problems.
The FCA has stated that disciplinary or regulatory action has been involved with this firm in the last 12 months. Please see the FCA’s website for more information.
Together accepts the following repayment methods:
By credit or debit card over the phone
By credit or debit card online
Cheque
Direct debits
Standing order or bank transfer
If you miss a repayment, any property used as security, including your home, may be repossessed.
Yes, Together allow repayments to be made by others or you can make repayments on behalf of someone else. Additional security checks will be made.
A secured loan is a loan when a loan uses property as collateral. These are often referred to as homeowner loans or second-charge mortgages. Learn more about secured loans here.
For secured loans, Together charges an Arrangement Fee and a Redemption Administration Fee, both of these fees can vary and will be discussed before you complete your application and sign the dotted lines.
A secured loan is a loan secured against a property, whereas an unsecured loan is based on your creditworthiness and doesn’t require collateral.
Together also offers mortgages under Together Money. Read our full review here.
If you have any issues or queries, you can ring Loans Warehouse customer service on 01923 660218.
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Emily Herring is a Publisher at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has recently joined the Investments team. She has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media. See full bio
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