Together Money Secured Loans

Together Money's Flexible Lending Criteria

One of Together Money's most notable features is their willingness to accept income from sources that mainstream lenders and many specialist lenders will not consider. This includes Universal Credit, Personal Independence Payment, Disability Living Allowance, pension income and a wide range of self-employed income structures. Together assesses affordability on a holistic basis rather than relying solely on automated underwriting.

Together also accepts a broader range of property types than most lenders. Properties with non-standard construction, unusual tenure arrangements, ex-local authority homes, properties above commercial premises and those with short leases may all be considered where other lenders have declined. This makes Together a practical option for borrowers whose property presents a challenge alongside their personal circumstances.

The maximum age at the end of the loan term is up to 85 years for residential secured loans, which is significantly higher than the 70 to 75 seen at many lenders. This makes Together particularly relevant for older borrowers who need to release equity but have been turned away due to age restrictions elsewhere.

Maximum LTV ratios are typically in the range of 75-80% for residential second charges, though this will depend on the specific product and the overall risk assessment. Together's combination of flexible income criteria, high age limits and unusual property acceptance makes them one of the most genuinely versatile secured lenders in the UK market.

Together Money Secured Loan Rates

Together Money secured loan rates are priced to reflect the non-standard nature of many of their applications. Rates typically start at around 10% per annum for cleaner cases and can extend to over 20% for higher-risk applications involving adverse credit, high LTV or complex income. The rate offered will be based on a full assessment of the application rather than a simple automated decision.

Together's pricing structure is transparent, and brokers can obtain indicative terms before submitting a full application. Because Together is a relationship-driven lender, brokers with a track record of placing business with them may be able to obtain faster decisions and more tailored outcomes for their clients.

As with all secured loans, the total cost of borrowing includes arrangement fees, broker fees and the interest charges over the loan term. It is important to compare the total amount repayable rather than focusing solely on the interest rate, particularly for longer loan terms where fees can have a proportionally smaller impact on overall cost.

What Can a Together Money Secured Loan Be Used For?

Together Money secured loans can be used for a wide range of purposes including home improvements, debt consolidation, business investment, tax bills and other large expenditure. As a second charge mortgage, the loan is secured against the equity in your home, which means your property is at risk if you fail to maintain repayments.

Together is particularly well regarded for debt consolidation cases where the borrower has complex credit issues or unusual income, and where a simple automated application would not do justice to the overall picture. Their manual underwriting approach allows them to take a more rounded view of affordability and risk.

For property investors, Together also offers secured lending on buy-to-let and commercial properties, making them a versatile partner for borrowers with more complex portfolios. Their products span second charges, bridging loans and development finance, which can be useful if you need a solution that bridges short-term and longer-term funding needs.

Applying for a Together Money Secured Loan

Together Money lends exclusively through FCA-regulated brokers. A broker experienced in specialist lending will be best placed to assess whether Together is the right fit for your circumstances and to present your application in the most favourable light. Together's underwriters are known for their willingness to engage with complex cases, but a well-packaged application will always produce the best outcome.

The application process involves a detailed income assessment, a credit search and a valuation of the property to confirm available equity. Documentation requirements will vary depending on the complexity of the case, but may include bank statements, payslips or accounts for the self-employed, evidence of benefits income and details of any existing secured borrowing.

Together's decisions are typically made by human underwriters who have the authority to consider the case as a whole, rather than relying on automated scoring. This means that even if your application looks challenging on paper, it is worth presenting a thorough and well-supported case through a broker who knows how to work with Together's criteria.