Intermediary site Home Personal mortgages Right to Buy Right to Buy Own the council house or flat you already love. Check my eligibility 4.9/5 average rating by independent customer feedback Why choose Together? Vast Experience With over 45 years of lending experience under our belts, you can trust us to get things right for you. Check my eligibility We can often help when others won’t We don’t rely on credit scores alone when deciding whether or not to approve a mortgage application. We understand that real lives rarely fit conveniently into tickboxes. So we look at every application on its merits, and use our common sense. It’s an approach we’ve been applying for over 40 years. In that time, we’ve helped hundreds of people buy their council homes. So they can create a future for their families, and make happy memories for years to come. See our step by step guide Right to Buy explained, step-by-step > Overall cost for comparison For example: A mortgage of £115,559 payable over 24 years, initially on a fixed rate for 5 years at 6.99% (and then on a tracker rate for the remaining 19 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £846.05 followed by 231 monthly payments of £824.52 plus a redemption administration fee of £110.00. The total amount payable would be £241,336.47 made up of the loan amount (£115,559) plus interest on the loan (£119,783.09), arrangement fee (£2,888.98) plus interest on this fee (£2994.60) and the redemption administration fee (£110.00). The overall cost for comparison is 7.3% APRC representative. The actual rate available will depend upon your circumstances. Ask us for a personalised illustration. Check your eligibility & enquire At Together, our flexible approach means that we can often lend where others can't. If you fit our criteria, we'll do everything we can to make it happen. To be eligible to borrow from Together, you need to be: Based in the UK Aged between 18 and 85 Looking to borrow no more than £500,000 Not on furlough or a secured deferred payment plan Not at risk of redundancy Approval is based on a credit check and an assessment of your individual circumstances. Ready to talk? Enquire today for a callback from a member of our friendly, expert team. Enquire now Or call us directly on 0330 127 9715 between 9am and 5:30pm, Monday to Friday. Common questions about right-to-buy mortgages Why choose a Together personal mortgage? We're a specialist lender. We exist to help people who would likely be turned down by mainstream lenders. Perhaps it's your employment status, your credit history, or the property itself that doesn't fit neatly into the big names' tickboxes. Whatever it is, we'll look at your application and use our common sense – not computers – to make the final decision about whether we can lend to you. How long does it take to arrange a mortgage? It typically takes several weeks to arrange a mortgage. As a responsible lender, we're duty bound to ensure you can afford the loan you're applying for. So we may take longer to underwrite your case, or request more documentation. What documents do I need to apply? You'll need to provide proof of ID, proof of your address history, and proof of income. Exactly what documents we'll accept as proof will depend on your individual circumstances, so we can tell you over the phone. What fees will I have to pay? We charge an Arrangement Fee, and we charge a Redemption Administration Fee when you 'redeem' (i.e. full repay) your mortgage, to cover costs associated with closing your account and dispensing our legal claim to your property. These fees can vary, so we'll ensure that the fees that apply to your particular mortgage are clearly explained before you sign on the dotted line. Other fees and charges may be applied to your account during the life of your loan, in relation to the management of your account (for instance, if you fall behind on your monthly payments). These are all explained in our Tariff of Charges. Your home may be repossessed if you do not keep up repayments on your mortgage. You are likely to repay more overall if you select a longer-term mortgage to reduce your monthly payments. Personal mortgage FAQs Helping you find the right answers to our personal mortgages. Find out more Step by step process Getting a Right-to-Buy mortgage in 6 simple steps Find out more Personal lending enquiry Talk to our expert personal finance team today. Find out more Reviews (37) Customer Rating 4.9 37 5 4 3 2 1 Customer Reviews Sort by: Newest Oldest 5 4 3 2 1 Clear Selection Ready to see how we could help? Check my eligibility Follow us on Careers Website terms of use Privacy and cookie policy Manage Cookies Company policies Fair Processing Notice I have received someone else’s documents Important documents Together blog Together reviews The Great House Giveaway Sitemap Copyright 2021 Together is a trading style of each of the undernoted companies, which have their registered office address at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW. Together Financial Services Limited | Registered in England and Wales - Company Registration Number 02939389. Together Financial Services Limited is the operator of this website. Together Personal Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA) | Registered in England and Wales - Company Registration Number 02613335. FCA number is 305253. Together Commercial Finance Limited | Registered in England and Wales - Company Registration Number 02058813 SPOT Finance Ltd trades under 2 trading names; Spot Finance Limited (Registered) and Together (trading). SPOT is authorised and regulated by the Financial Conduct Authority (FCA) | Registered in England and Wales - Company Registration Number 01998543. FCA number is 724450. Auction Finance Limited | Registered in England and Wales - Company Registration Number 04949929 Bridging Finance Limited | Registered in England and Wales - Company Registration Number 03166982 Blemain Finance Limited is authorised and regulated by the Financial Conduct Authority | Registered in England and Wales - Company Registration Number 01185052. FCA number is 719121. Together Personal Finance Limited is a member of the FLA. The FLA Lending Code can be found at www.fla.org.uk. Developed by Kagool