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
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
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