Together has been lending since 1974 and is renowned in the lending industry for being the go-to lender where unusual circumstances occur. Whether it is unusual income, hard to mortgage properties or circumstances where common sense is needed, they are a vital lender for brokers to have on their lender panel.
They do not use any form of credit score in their decision making, and it is always an underwriter that decides to lend, not a computer. They do not have income multiples when assessing affordability, preferring to assess the borrower's actual monthly outgoings.
Together are one of the few lenders to offer a non-regulated second charge where at least 51% of the loan proceeds is to be used for business purposes. This product takes an entirely different view of affordability, meaning your client can usually borrow what they need at an affordable rate.
For regulated bridging enquiries, click here
For non-regulated bridging enquiries, click here
If you are passing the customers details to us and you wish for us to provide the advice, please download and complete the editable SHF Decision in Principle form from the Lender Documentation tab below. Alternatively, you can call 0800 810 1888 or email secured@specialisthub.co.uk.
If you wish to provide the advice to the applicant(s) yourself, please download and complete the LPC Application Form. Remember, you must have the correct FCA permissions to be able to provide advice if the case falls under FCA regulation. All other documents you will need are available to download in the Lender Documentation tab.
Together Money is a specialist second charge residential and Buy-to-Let lender. They have a very restricted panel, so to find out more you can either:
- call 0800 810 1888, or
- email secured@specialisthub.co.uk