Intermediary site Home Personal mortgages Shared Ownership Mortgages for Shared Ownership Schemes Get onto the property ladder with a shared ownership property. 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 Why wait? Choosing a Shared Ownership property could help you onto the property ladder sooner. And with that big hurdle out of the way, we don’t think your employment or credit circumstances should automatically prevent you from securing a mortgage. Fortunately, other lenders’ red flags are our green lights. Remember, you'll have rental payments as well as monthly mortgage repayments to maintain. You can choose for your mortgages to last for a range of terms, to help make your monthly payments more affordable. Plus, if you ever decide you want to increase the share of your home that you own, we can look at options to extend your borrowing. 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. 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 Existing customers How can we help? Find out more Our awards Celebrating our success. Find out more Reviews (38) Customer Rating 4.9 38 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