Together Secured Loans

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  • We've teamed up with the UK's favourite secured loan broker* Fluent Money to help you in your secured loans search
  • Homeowner secured loans usually have to be applied for through a broker using your property as security
  • Compare Together against other secured lenders using the calculator below

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a loan or any other debt secured on it. Click here for a representative example

    • Together logo

      Together

      • Initial Rate
        6.65%
      • Total Repayments
        £41,152.80
      • Monthly Repayments
        £342.94

    Other Secured Lenders

    • Paragon Bank PLC logo

      Paragon Bank PLC

      • Initial Rate
        3.60%
      • Total Repayments
        £35,767.20
      • Monthly Repayments
        £298.06
    • Optimum Credit Ltd logo

      Optimum Credit Ltd

      • Initial Rate
        4.00%
      • Total Repayments
        £36,448.80
      • Monthly Repayments
        £303.74
    • Masthaven Bank Ltd logo

      Masthaven Bank Ltd

      • Initial Rate
        4.19%
      • Total Repayments
        £36,774
      • Monthly Repayments
        £306.45
    • Shawbrook Bank Limited logo

      Shawbrook Bank Limited

      • Initial Rate
        4.20%
      • Total Repayments
        £36,792
      • Monthly Repayments
        £306.60
    • United Trust Bank logo

      United Trust Bank

      • Initial Rate
        4.45%
      • Total Repayments
        £37,222.80
      • Monthly Repayments
        £310.19
    • Step One Finance Limited logo

      Step One Finance Limited

      • Initial Rate
        6.90%
      • Total Repayments
        £41,613.60
      • Monthly Repayments
        £346.78
    • Oplo logo

      Oplo

      • Initial Rate
        8.00%
      • Total Repayments
        £43,686
      • Monthly Repayments
        £364.05
    • Norton Home Loans logo

      Norton Home Loans

      • Initial Rate
        8.30%
      • Total Repayments
        £44,258.40
      • Monthly Repayments
        £368.82
    • Central Trust Ltd logo

      Central Trust Ltd

      • Initial Rate
        9.50%
      • Total Repayments
        £46,582.80
      • Monthly Repayments
        £388.19
    • Evolution Money logo

      Evolution Money

      • Initial Rate
        10.20%
      • Total Repayments
        £47,973.60
      • Monthly Repayments
        £399.78

Please note: Loans displayed have a minimum term of 12 months and a maximum term of 360 months. Maximum APRC charged 49.9%.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

Our comparison service features a selection of providers from whom we receive commission. This table is ordered by initial rate. *Fluent Money completes more secured loans than any other broker.

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Last updated on 09 November 2020.

Together Secured Loans FAQ

Who is Together?

Together is a Cheshire-based lender, which has been in operation since 1974. The business offers a range of different secured loans and mortgages for a wide list of purposes.

What types of secured loans does Together offer?

Together offers secured loans to borrowers who want to secure a second charge mortgage against their home. It also offers a range of other secured loans, such as first charge mortgages, commercial mortgages, bridging loans and secured loans for business purposes.

Why do people take out secured loans?

Providers of secured loans, such as Together, will often allow you to borrow considerably larger amounts of money than providers of unsecured loans, although the precise amount you could be offered will depend on a range of lending criteria. Securing a loan against your property can also mean you will be given a longer period of time to repay the debt. Interest rates you will pay on your debt could also be much lower than those offered for unsecured loans.

However, before taking out a secured loan, it’s sensible to consider whether there are any less-risky options, as securing a loan against your house means you stand to lose it if you fail to keep up with your repayments.

What can I use a Together secured loan for?

You can spend a secured loan on pretty much anything you like. Most people who borrow secured loans tend to use the cash to cover major expenses, such as home renovations, school fees or holidays. Debt consolidation is also a possible use for a secured loan, but you should use caution when taking this approach as it could extend your overall debt term. This could mean that you could end up repaying more in total.

Can I pay back my Together secured loan before the end of the agreed term?

Yes, you are able to repay the loan as early as you like. Some lenders do charge early repayment fees though, so it’s sensible to check with a lender whether they apply these fees and charges before choosing them.

Do I need to have a strong credit record to get a Together secured loan?

Not necessarily. Secured loan providers will often consider people with less-than-perfect credit scores as the risk to the lender is far less than for an unsecured loan. However, if you have a poor credit record, it makes sense to think carefully about whether you will be able to afford the repayments throughout the term of the loan. If you miss repayments, you risk losing your home and your credit record will also be damaged further, making credit very difficult to come by in the future.

How much can I borrow through a Together secured loan, and for how long?

Together offers loans of up to £1,000,000, but the amount you will be offered depends on a large list of criteria. These include your own requirements, the value of your home and your existing mortgage, your credit history, your employment status and your general financial situation.

Services offered by this provider may change over time. Always check Ts&Cs.

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