Together Money

Severe Adverse Credit: Together Money specialises in offering solutions for clients with severe adverse credit, including missed payments, CCJs, defaults, and even bankruptcy. This allows you to support clients who would typically be declined by high street lenders. 

Almost All Property Types: Whether it’s non-standard construction, properties above commercial units, or homes with complex layouts, Together Money has a wide appetite for different property types, making it a strong choice for tricky properties that don’t fit mainstream criteria. 

Second Charge Mortgages: They provide second charge mortgage products, which can be a useful tool for clients looking to release equity without disturbing their existing mortgage arrangements, offering a flexible way to borrow for home improvements, debt consolidation, or other needs. 

Self-Employed Borrowers: They cater to self-employed applicants, even those with limited trading history or complex income streams, using a more nuanced approach to assessing affordability, perfect for clients who don’t fit the standard PAYE model. 

Flexible Repayment Options: They offer flexible repayment plans, including interest-only options, helping clients to manage their cash flow in ways that suit their financial situation, whether it’s for a residential purchase or refinance. 

Debt Consolidation: Together Money’s products are designed to allow debt consolidation within the mortgage, which can help clients reduce their monthly outgoings and simplify their financial commitments. 

Shared Ownership and Right to Buy: They support niche products like shared ownership and Right to Buy schemes, offering opportunities for clients to purchase their homes under these specific arrangements. 

Unusual Income Structures: Together Money has experience dealing with applicants who have unusual or multiple income streams, such as freelancers, contractors, or individuals with complex bonus structures, making it easier to place clients who don’t fit the standard mould.