Together Secured Loans Review Updated For 2026
Discover whether Together secured loan rates are right for you.
- Special broker-only lenders not featured on the comparison sites with great terms
- Smart lending technology and zero upfront fees new for 2026
- Useful for clearing other loans, credit cards or existing car credit
- High loan-to-value (LTV) with some lenders
- Homeowners could borrow from £10k to £650k
- One of the larger lending panels in the UK
- Quick second charge mortgage enquiries with soft-search options
- Sympathetic to past credit issues. Prime, light adverse and heavy adverse cases considered.
Pre-Decision In Principle Application Form:
Together Money secured loans
Together Money is often a useful name to know when a homeowner needs a secured loan and the case does not quite fit a high street lender. They are known for specialist lending, non-standard property cases and applications where the background needs a closer look.
When you’re in a corner, Together Money can be a practical lender to discuss with a broker. They are not just looking at neat, high-street cases. Borrowers with historic credit issues, unusual income, non-standard property or a more complicated reason for borrowing may still have options.
The lender’s range is often discussed around standard mortgages, remortgage solutions, right-to-buy cases, shared ownership, self-employed borrowing and non-standard construction. For homeowners who need to raise money against their property, a Together case may sit beside secured loans for bad credit, especially where the borrower wants to keep the existing mortgage in place.
It is not the sort of lender people normally find by typing a few details into a comparison site and picking the lowest figure. The useful part is usually in the underwriting. A broker can explain why the property is unusual, why the income looks the way it does, or why older credit problems should not carry the whole decision.
That does not mean every case works. A lender still has to be comfortable with the valuation, the existing mortgage, the planned use of funds and the monthly payment. The difference is that a specialist lender may keep looking after a high street bank has stopped reading.
Some borrowers use this kind of lending to clear credit cards, personal loans, car finance or other debts. Others are looking at property work, a business need, family support or a large purchase. For homeowners with a messy file, bad-credit homeowner loan options may sit alongside Together, depending on affordability and equity. A secured loan can be easier to shape than an unsecured loan, but the home is still at risk if the repayments are not kept up.
Where Together can be useful
The Consumer Buy to Let (CBTL) mortgage is one example of Together’s more flexible lending. It can be used for property improvements or to finance a renovation project, which is often where a normal lender starts to lose interest. The money is raised against an existing property, not used as a fresh purchase mortgage.
That sort of approach can help when the property itself is awkward. High-rise flats, timber-framed homes, steel-framed builds and properties needing work can all make lenders cautious. Together is one of the lenders a broker may consider when the case needs a human decision rather than a quick decline from a rigid checklist.
Auction buyers, landlords and homeowners renovating tired property can run into this problem quickly. The property may be worth improving, but the current condition can make the finance harder to arrange. Some lenders want the house to be plain, complete and easy to value. A more specialist lender may be willing to look at what the property is, what it could become and how the borrower plans to repay the loan.
For buy-to-let linked cases, the detail matters even more. A borrower might own the property already, have a first charge mortgage in place and need extra funds for work or another purpose. The second charge lender then has to be satisfied with the security, the existing lender position and the exit route if the plan changes.
Non-standard property and lending criteria
Where Together Money tends to stand out is the non-standard area of the property market. A mainstream lender may rely heavily on a valuation report, a narrow LTV band and a standard affordability model. Together can be more open to the detail behind the case, although the numbers still have to make sense.
They offer secured loans for personal finance and with broad spending in mind. The lender will still want to see that the loan is affordable, and evidence of income matters. Depending on the case, proof of income might include payslips, P60s, bank statements, pension income or rental income from a buy-to-let property.
Self-employed borrowers often need a bit more care here. The income on paper may not tell the whole story, especially when accounts, dividends, retained profit and recent bank statements point in different directions. This is where packaging the case properly can matter as much as the lender name.
The same applies to credit history. A missed payment two years ago is not the same as a current mortgage arrears problem. A satisfied default is not the same as a live unpaid debt. Small details like that can change how a case is viewed, so a neat explanation is often better than throwing an application at several lenders and hoping one sticks.
Terms can vary from 3 years to 30 years, with standard, fixed or variable-rate options depending on the product and the borrower’s circumstances.
Borrowers comparing long-term secured borrowing may also look at a 10-year secured loan, especially where the aim is to keep the monthly payment down. Others prefer to compare fixed-rate second mortgages so they know what the repayment will be for a set period.
Cost, rates and repayment points
The rate you are offered will usually depend on the risk category, the property, your credit file, your income and the overall loan-to-value. Together secured loans have often been known for flexible underwriting, but that does not mean the cheapest deal is always with them. A broker should compare the total cost, not just the headline rate.
Fees, valuation costs, legal work, broker charges, and early repayment terms can affect the actual cost of borrowing. A cheaper monthly payment may simply mean the debt is being stretched over a longer term. That can help with cash flow, but it can also mean paying more interest overall.
Before applying, it is worth being clear about the purpose of the borrowing and the repayment plan. If the loan is for debt consolidation, the new payment needs to be realistic and the old credit should not quietly build back up. If the loan is for property work, allow some room for delays and cost increases rather than borrowing to the last pound.
The overall cost for comparison given is:
“£70,000 payable over 10 years on our variable rate for the loan term of 10 years at our current rate of 6.65% (variable) would require 120 monthly payments of £860.20 plus a redemption administration fee of £150.00” (Source: Together Money).
For a smaller borrowing need, some people start with a £25,000 loan and then decide whether the unsecured or secured route is more realistic. For larger loans, the question is often whether to compare second mortgage rates, remortgage instead, or keep the current mortgage untouched.
If your current mortgage rate is good, keeping it untouched can be attractive. If the mortgage is already on a high standard variable rate, a remortgage may deserve a proper look. The right answer is not always the product with the lowest advertised rate. It is the route that works after fees, penalties, term length and affordability are counted together.
It is also worth thinking about how you want to apply. Some borrowers want a quieter process, so secured loans with no phone calls can appeal. Where income is stretched, a joint secured loan may help if the second applicant genuinely improves affordability.
Comparing Together with other secured loan lenders
Together is only one specialist lender. A broker may compare it with Norton Finance for broker-led cases, with United Trust Bank for second-charge lending, or with Masthaven Bank when a more specialist product is being considered.
Where the case is mainly about clearing debt, it can sit naturally alongside secured debt consolidation loans. If the choice is being narrowed by lender appetite, pages on Optimum Credit, Pepper Money and Precise Mortgages can give useful comparisons.
Some borrowers compare Together with 1st Stop loans, Paragon Bank, Blemain Finance or Spring Finance. Others look more generally at broker-only second charge lenders before deciding which lender name matters most.
High-street names come into the conversation too. A homeowner may compare a Together case with Nationwide home improvement loans, NatWest homeowner loans, Santander home improvement borrowing or TSB homeowner loans, even when the final answer is a specialist-lender route.
For broader research, it can help to read about secured loan rates and the common reasons people use secured loans. Many people still ask, is it better to remortgage or get a loan? That usually comes down to the current mortgage deal, any early repayment charges and how long the new borrowing will be kept for.
Together Money details
Together is a trading style used by companies with their registered office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW. Together Personal Finance Limited is registered in England and Wales, company number 02613335, and is authorised and regulated by the Financial Conduct Authority under FCA number 305253. Together Personal Finance Limited is a member of the Finance & Leasing Association.
Together Financial Services Limited is registered in England and Wales, company number 02939389, and operates the Together website. Together Commercial Finance Limited is registered in England and Wales, company number 02058813. For existing personal customer enquiries, Together lists 0161 333 7403. For payment difficulty support, Together lists 0161 333 7404. Intermediary new-business enquiries are listed as 0161 933 7101, with email contact through newbusinessteam@togethermoney.com.
