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Together

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Together

Together have been lending for over 40 years, and one thing has never changed: their commitment to common sense, not common practice.

If a case involves an unusual property or purchase, or the client has complex income or imperfect credit, you might be able to place it with the usual suspects. But when two or more of these complicating factors are in place, Together are here to make your life easier.

Unlike some other lenders, they don’t rely entirely on tickbox criteria to make their lending decisions. Instead, Together consider customers’ needs and circumstances on a case-by-case basis – and the final decision is always made by a professional underwriter, not a computer.

A range of products

TMA members can submit cases for:

  • Residential mortgages – on a first charge basis, for first-time buyers and home movers alike. Includes large loans, and remortgages on unencumbered properties.
  • Buy-to-let mortgages – for everyone from accidental landlords and first-time investors, to professionals with extensive portfolios.
  • Bridging loans – on residential property – to repair a broken chain, release capital, or for any other reason.

 

An open mind

Talk to Together if your client is:

  • Already retired, or retiring before paying off their mortgage.
  • Self-employed, has complex income, or on a zero-hour contract.
  • Relying on bonuses, overtime, and benefits for affordability.
  • Affected by adverse credit events.
  • New to the UK, with little or no credit history.
  • Buying through Right to Buy or a Shared Ownership scheme, or at auction.
  • Being gifted a deposit or equity.

Or if the property is:

  • Ex-council.
  • High-rise.
  • Of non-standard construction (e.g. concrete, or steel- or timber-framed).
  • An unusual conversion.
  • A self-build (with the relevant guarantees).
  • Defective, or in need of major renovation (i.e. Japanese knotweed, uninhabitable, fire-damaged, etc.)

Registration Process

Click here to register with My Broker Venue, their online application portal. Registering is quick and easy, and they will normally have your account activated within 24 hours

When you register on My Broker Venue, simply select TMA from the drop-down list when you’re asked if you’re part of a mortgage club or network.

If you are currently using Together through another distributor, you can re-register with TMA using their online portal.

Contact

To speak to Together today call 0161 933 7100.