Best mortgage deals from Together
Whether you're an existing customer or a first-time buyer, compare the best mortgage interest rates from Together with our comparison tool below. To see what rate you could be offered, create a free Tembo recommendation.
Access to +20,000 mortgages
Award-winning mortgage advice
Average £82,000 affordability boost
Get a Mortgage In Principle
When you create a Tembo recommendation, you'll get a free, downloadable Mortgage In Principle for each of the schemes you could qualify for.
Already have a mortgage with Together?
Create your own free, personalised recommendation to see the best way for you to remortgage, including if you should stay with Together or change to another provider.
What type of mortgages does Together offer?
Together pride themselves on being more flexible than other lenders when it comes to common affordability hurdles like poor credit scores, like having light adverse credit or being self-employed. They also offer a range of standard mortgages, including fixed-rate and tracker mortgages for first-time buyers, home movers, remortgagers and buy-to-let customers.
While not offering as many first-time buyer and affordability-boosting options as other lenders, Together do accept shared ownership and Right to Buy mortgages, as well as gifted deposits and equity from loved ones.
As with any provider, whether Together is the best provider for you depends on your affordability and unique circumstances, what mortgage products you're eligible for, and what the market is currently like. Our award-winning team here at Tembo can help you navigate these factors to ensure you get the best mortgage deal for you.
How much could I borrow from Together?
Like most mortgage lenders, Together offers a range of mortgage products with different eligibility criteria. How much you could borrow for a mortgage depends on which products you're eligible for, your income and deposit, and other factors like your credit score, employment type, and outgoings. But typically you can borrow between 4-4.5 times your income.
By creating a free Tembo recommendation, you can see what you could be offered for a mortgage by Together and other providers without applying.
Can I make overpayments on a Together mortgage?
It's possible that you can make overpayments if you have a Together mortgage, but restrictions are likely to apply depending on the agreement you have. Paying anything above the allotted amount could see you being hit by an Early Repayment Charge (ERC).
Together have made a name for themselves by providing options for those with complex situations, such as the self-employed or those with credit issues. However, they don't offer a huge range of first-time buyer mortgages such as guarantor schemes, so they might not be the right fit for some borrowers.
Andy Shead
Senior Mortgage Advisor at Tembo
Are Together a good mortgage lender?
Together pride themselves on offering "lending for every walk of life" with a personal approach to each customer's case instead of algorithms and tick boxes. As a specialist lender in mortgages and secured loans, they cater to both buyers and businesses who need something slightly different from what mainstream banks offer.
Together are well-rated, with a high 4.3 out of 5 star rating on Trustpilot from almost 2,000 reviews. Over the years, they've also won various awards over the years, including the CCA Accreditation for customer experience, Specialist Buy To Let Lender of the Year and the Mortgage Introducer's Global 100 Mortgage Award.
However, Together does not offer the same range of first-time buyer or guarantor mortgages offered by other lenders. For this reason, they may not be the right fit for borrowers looking for family-assisted options, or mortgages for those with small deposits.
Does Together offer guarantor mortgages?
No, Together does not offer guarantor mortgages, although they do accept gifted deposits. So your family member could give you a non-refundable cash gift to help boost your deposit size, or use a Deposit Boost to unlock money from their home.
It can be difficult to know which lenders offer guarantor mortgages and which one is best for you and your family, as this depends on your unique affordability and what schemes you're eligible for. Working with a mortgage broker like Tembo who specialises in family-assisted mortgages can help you navigate lenders' different eligibility criteria and find the best deal for you from across the market.
Looking for a new mortgage?
First home
Unsure which mortgage deal to go for? Buying your first home can be confusing and overwhelming. Get help from the experts.
Remortgage
Coming to the end of your current deal? Remortgage onto a new one with our help. We'll show you whether you should stay with the same lender, or switch.
Moving home
Upsizing to your forever home? Or maybe you're downsizing to something more manageable. Whatever your reason for moving, we can help you find the best deal for you.
Buy to Let
Thinking of becoming a landlord? We can help you discover the best buy to let mortgage deal for you and how you could boost your mortgage affordability.
Tried, tested & trusted by thousands
Whether it's first-time buyers, home movers or remortgagers - our expert team has been trusted by thousands to make home happen.
The application process
4 simple steps to buying your first home or remortgaging
Make a Tembo plan
Check your eligibility for a range of mortgages and buying schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.
Talk to an expert
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the mortgage deals and budget-boosting schemes we advise on.
Apply for your new deal
Next, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
Your Tembo advisor will be on hand to ensure everything runs smoothly, so you can move onto your new deal as quickly as possible.
