Intermediary site Home Secured loans Debt consolidation Secured personal loans for debt consolidation Take control of your finances. Check my eligibility Borrow from £30,000 to £250,000.* Over 3 to 30 years. Fixed rates from 3.99%*. Variable rates from 6.65%*. Maximum loan-to-value of 75% The maximum loan, rate and loan-to-value ratio offered may be reduced depending on the property and your credit profile. 4.7/5 average rating by independent customer 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. Enquire today Managing multiple debts If you would prefer a single – and potentially lower – monthly repayment, we could help. You could use the equity you’ve previously built up in your home to pay off your existing unsecured debts, even if you already have a mortgage on your home. Remember: depending on the rate and length of the loan you use to consolidate your debt, you may end up repaying more in total. Life doesn’t stand still and your credit rating is just a moment in time. We appreciate your employment status may have changed, or you may have had to use payday loans to help manage your money. This doesn’t mean you're automatically excluded from borrowing with us. At Together, we get to know you and your circumstances – not just your credit rating – and always do the sums to check you can afford the repayments after paying off your other debts. We can lend in many cases that mainstream lenders can’t. Overall cost for comparison For example: A mortgage of £91,676 payable over 20 years, initially on a fixed rate for 5 years at 6.99% (and then on a tracker rate for the remaining 15 years at 1.8% above the Together Homeowner Managed Rate (THMR)) would require 60 instalments of £735.12 followed by 175 monthly payments of £720.00 plus a redemption administration fee of £110.00. The total amount payable would be £170,216.06 made up of the loan amount (£91,676) plus interest on the loan (£74,281.13), arrangement fee (£2,291.90) plus interest on this fee (£1,857.03) and the redemption administration fee (£110.00). The overall cost for comparison is 7.4% 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 80 Looking to borrow no more than £250,000 and no more than 75% of the purchase price of the property you plan to buy 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 0343 253 8660 between 9am and 5:30pm, Monday to Friday. Consolidating unsecured debt through secured lending could increase the total amount you pay back. Your home may be repossessed if you do not keep up repayments on your loan. Existing customers How can we help? Find out more Our awards Celebrating our success. Find out more Latest news See what we've been up to. Find out more Reviews (17) Customer Rating 4.7 17 5 4 3 2 1 Customer Reviews Sort by: Newest Oldest 5 4 3 2 1 Clear Selection 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