Together Money

Real decisions based on real life

Residential Mortgages

Together consider mortgage applications from a variety of people and make sensible decisions about whether repayments are affordable, looking at the actual facts and real situations. It means those who are self-employed, claim benefits, or who have other sources of income, could get a mortgage.

**AToM Exclusive Product Ranges**

AToM are very pleased to say we have partnered with Together Money to distribute their new exclusive products. These cover; unregulated bridging, BTL and Commercial/Semi-Commercial Mortgages. Enhanced rates and criteria compared to their standard ranges. Speak to our sales team for more information.

Residential Mortgages

  • 2 Year Fixed Rates at 5.49% (standard prime - 0.88%!)
  • Up to 75% LTV
  • Loans from £25K to £1m
  • Fixed Arrangement Fee of £1495
  • Adverse over 12 months old ignored

Unregulated Bridging Finance

  • Rates from 0.49% per month (standard - 0.16% pm!)
  • Up to 75% LTV
  • Available for BTLs, Commercial, Semi-Commercial and Land
  • No exit fees on loans over £50K
  • Loans from £30,000 to £2 million

Buy to Let Mortgages

  • Up to 75% LTV for purchase and 70% LTV for remortgages
  • HMOs, Holiday Lets, & Semi-Commercial (specialist) up to 65% LTV
  • Repayment rates from 5.98% (specialist rates from 6.98%)
  • Interest-Only rates from 6.39% (specialist rates 7.39%)
  • Available to individuals, Ltd Co's, LLPs and Partnerships
  • Available to Expats and Foreign Nationals
  • Adverse accepted
  • No max bedrooms on HMOs

Commercial Mortgages

  • Available on Commercial Investment Properties
  • Up to 75% LTV for purchase and 60% LTV for remortgages
  • Up to 55% LTV on Land
  • 100% LTV available with additional security
  • Available on Repayment and Interest only (max 10 year term on IO)
  • Rates from 7.90%
  • Adverse accepted
  • Available to individuals, Ltd Co's, LLPs and Partnerships
  • Available to Expats and Foreign Nationals
  • No minimum income

Together's Key Residential Features:

  • Capital and repayment or interest-only available
  • Loans from £3,000 to £250,000 (£250,000+ by referral up to 60% LTV)
  • Terms from 3 – 40 years
  • Minimum valuation of £50,000
  • Up to 75% LTV
  • Impaired credit accepted
  • All property and construction types considered
  • Minmum age of 18 (at application) and maximum age of 85 (at end of term)
  • Right to buy up to 100% of the discounted purchase price
  • Shared Ownership up to 100% of the share value
Together's Residential Adverse:
  • Up to max 6 "demerits" accepted
  • Unsatisfied Defaults/CCJs £300 - £10,000 = 1 demerit
  • Satisfied Defaults/CCJS over £3,000 = 1 demerit
  • Maximum worst status 3 on secured arrears in
  • No declining unsecured credit in 6 months
  • Bankruptcies, IVAs and Debt Management Plans are not accepted
  • Ignore all adverse registered over 12 months ago
  • Ignore all defaults and CCJs < £300 and < £3,000 if satisfied

BTL Mortgages

Together were one of the first lenders to offer second charge as well as first charge buy to let mortgages, and continue to help people create and build portfolios. They consider most income sources including projected rent and can work with many status profiles from clients with a perfect credit rating to those who don’t. They’ll consider every application on its own merit and finance properties regardless of structure, age or valuation.

Together's Key BTL features:

  • Available for Business and Consumer BTL mortgages
  • Capital repayment and interest-only available
  • Mortgages from £5,000 to £2,000,000
  • Terms from 4 to 30 years (4 - 15 years on interest only)
  • Minimum valuation £50,000
  • Available to Individuals, Ltd Companies and Expats
  • All property and construction types considered
  • Impaired credit profiles accepted
  • No six-month minimum ownership period
  • No minimum income requirements
  • Projected rent considered
Together's Buy to Let Adverse:
  • Up to max 6 "demerits" accepted
  • Unsatisfied Defaults/CCJs £300 - £10,000 = 1 demerit
  • Satisfied Defaults/CCJS over £3,000 = 1 demerit
  • Highest number of secured arrears in 12 months = demerits (e.g. 3 months missed =3 demerits)
  • Bankruptcies, IVAs and Debt Management Plans subject to underwriter referral
  • Ignore all defaults and CCJs < £300 and < £3,000 if satisfied

Bridging Finance

Together understand the importance of speed, and their internal systems and external relationships with surveyors and solicitors are geared for a fast response. First and second charge bridging loans are available for amounts from £26k and up to 100% funding can be considered with extra security.

Together's Key Unregulated Bridging Features:

  • Bridging and Auction Finance for investors looking to acquire residential or commercial investment properties
  • Loans up to £500,000 (up to £5 mil by referral)
  • Loans from £26,000
  • Minimum valuation of £50,000
  • Up to 75% LTV available (up to 100% with additional security) on Residential
  • Up to 70% LTV available on Commercial
  • Residential rates from 0.65% per month
  • Commercial rates from 0.95% per month
  • Free residential valuation schemes available
  • Available to "non-prime" borrowers
  • Available in England, Scotland and Wales

Together's Key Regulated Bridging Features:

  • For Owner-Occupiers, whatever their needs
  • Loans up to £2,500,000
  • Loans from £10,000
  • Minimum valuation of £70,000
  • Up to 70% LTV available
  • Terms up to 12 months
  • Rates starting from 0.49% per month
  • No income or affordability proof required
  • Available to "non-prime" borrowers
  • Available in England, Scotland and Wales

Commercial Mortgages

Property deals come in all shapes and sizes. Together are one of a few lenders offering second charge commercial loans for any purpose. They can provide loans secured against many property types or land, including those with no planning or agricultural restrictions. They also allow many income sources, including limited companies, sole traders and partnerships.

Together's Key Commercial Mortgage Features:

  • Capital and Interest and Interest Only options available
  • Available to Ltd companies, LLPs, Partnerships and Sole Traders
  • Available on Residential, Semi-Commercial, Commercial Properties and Land
  • Loans from £26,000
  • Rates from 7.90%
  • Up to 75% LTV (60% on Credit Repair Range)
  • Cross charging across multiple-properties

To discuss Together Money's Residential or BTL Ranges call our sales team on 01403 272625 (option 2) or email us at sales.team@atomltd.co.uk.

To discuss Together Money's Bridging or Commercial Ranges call our Bridging and Commercial team on 01403 272625 (option 4) or email us at atomcommercial@atomltd.co.uk