Eligibility Requirements:
- Must be a UK homeowner with a mortgage currently in place.
- Available for the self employed, retirees, or those on zero-hour contracts.
- Open to those looking for a secured loan with bad credit history (CCJs or defaults).
- Property can be non-standard (timber, concrete, or high-rise flats).
- Must demonstrate the ability to afford a low interest loan repayment plan.
Together Secured Homeowner Loan application steps:
- Call or go online to request a personalised quote.
- Provide details regarding your property value and mortgage balance.
- Submit documentation regarding your income and credit circumstances.
- Speak with a qualified adviser to identify the best terms for your needs.
- Receive your funds once the valuation and legal checks are complete.
Frequently Asked Questions
How long does it take to get approved for a Together loan?
While not an instant loan, Together moves quickly by using automated valuations where possible. You can often get a loan today in terms of a quote, with the full loan application processing in a matter of weeks depending on property checks.
Is it required to explain why credit is being used?
Yes, as part of your secured loan agreement, you should state your intent. Common uses include a debt consolidation loan, home extensions, or even providing a deposit for a family member’s mortgage loan.
Do I need to have a good credit score to be approved for Together?
No, Together is a specialist in providing a secured loan with bad credit history. They look at the “full picture” rather than just a score, making it a best quick loans alternative for those with past defaults or CCJs.
Can I apply for a loan if I am self-employed?
Absolutely, Together offers some of the best loans for self employed people in the UK. They only require 12 months of trading history to consider your money on loan request, which is much lower than many high-street competitors.