Together Secured Loans

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Homeowner secured loans usually have to be applied for through a broker using your property as security.

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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.

About the author

Rhiannon Philps
Rhiannon is a financial writer for NerdWallet, with a particular interest in personal finance and insurance guides for consumers. Read more
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This secured loans comparison and quote service is presented via our partnership with Norton Finance. Data provided is submitted directly to Norton Finance. Nerdwallet Ltd does not form part of the service beyond this introduction.

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