Together available again to all advisers via Connect for their quirky cases

Together are back in the market but with restricted distribution. You can now access Together again via the Connect placement team and will not have to use a third party or pay additional third party costs. A reminder of what Together do that we love so much is:

Foreign Nationals and Expats
Zero Hours contracts
All property types except schools and churches
Holiday Lets
Concrete and other unusual builds
Small studios under 30sm
Consumer BTL
First-time buyer BTL
No early repayment charges at any time on residential
Wide range of commercial property types
Gifted deposits
Regulated and unregulated bridges
Bespoke rates on unregulated bridges may be available
Because the launch from Together is on a restricted distribution basis, you can only access them via the placement helpdesk and the case management team must process the applications (the normal £99 case management fee applies).
See below for more information about the current range plus the current product guides.

Personal finance products (Residential, ConsumerBTL and Regulated Bridge):

  • We’re increasing the maximum LTV on all products from 60% to 65%.

  • We’re reintroducing interest only payments on our personal finance products.

  • Please note, for second charge applications, where any element of the loan is for debt consolidation we won’t be able to offer an Interest Only product, this will have to be on a Capital and Repayment.

Commercial finance products (Business BTL, Commercial and Semi-Commercial and Unregulated Bridges):

  • We’re launching a 0.65% bridge on residential property with a max LTV of 50%.

  • Following on from your feedback we’re simplifying our property types. There will now be a ‘Standard’ and ‘Non Standard’ model instead of our current ABC. A’s and B’s will become Standard and C’s will become Non-Standard with a 10% max LTV reduction from Standard. This will initially just be across our Buy to Let and Homeowner Business Loans however we’ll be looking to roll this out across all products soon.
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