Following the launch of Together Personal Finance 5 year fixed product range, they are pleased to now be re-introducing a number of their 2 year fixed products, which gives you a wider offering and more choices for your customers. They have also reduced rates on a selection of their 5-year fixed products.
They have a strong appetite and they’ll continue to use their experience in the market to offer the best solutions for your customers.
Together continues to be flexible on criteria and can help with a variety of customer needs:
- Varying types of income, such as self-employed
- Multiple income sources, pensions, zero-hour contracts, part-time income
- A non-standard buying situation such as Shared Ownership, Right-to-Buy
- Thin or impaired credit
- Non-standard property, such as thatched cottages, high-rise flats
New Products – Personal Finance
From 16th November, new 2 year fixed rates will be:
- First Charge from 8.45%
- Second Charge from 8.95%
- Consumer Buy to Let First Charge from 8.55% and Second Charge from 9.05%
New reduced 5 year fixed rates will be:
- First Charge from 8.15%
- Second Charge from 8.65%
- Consumer Buy to Let First charge from 8.25% and Second charge from 8.75%
Further changes also include increased rates on their Personal Finance variable products:
- First Charge from 7.69%
- Second Charge from 8.19%
- Consumer Buy to Let from 7.79%
Personal Finance Variable products pipeline dates
The above changes will be applied to any new quotes and any pipeline case requoted on My Broker Venue from 16th November, any cases submitted after 16th November will have the new rates applied. Applications need to be submitted by 30th November and be offered by 22nd December.
Personal Finance 5 yr fixed pipeline
To ensure customers benefit from the reduced 5 year fixed rate, cases need to be requoted. Any cases at application stage will need to be unlocked and requoted to obtain the lower rate. Affordability will need to be re-run and documents reissued. In order to get your application unlocked please contact their underwriting team on 0161 933 7042.
You can see the full product details and updated rates in their product cards.
New Products – Commercial Finance
From 16th November, new 2 year fixed rates will be:
- Buy to Let from 8.45%
New reduced 5 year fixed rates will be:
- Buy to Let from 8.15%
- Commercial Term from 10.49%
- Homeowner Business loans from 9.65%
Further changes also include:
Increased rates on some of their Commercial Finance variable products:
- Buy to Let standard from 6.99%
- Homeowner Business loans from 8.99%
- Commercial Term standard from 9.49%
Commercial Finance Variable products pipeline dates
The Buy to Let, Homeowner Business Loans and Commercial Term Variable rates currently quoted on lower rates, must be submitted prior to the 16th November and must have funded by the 13th December.
You can see the full product details and updated rates in their product cards.
Speak to them today
If you’ve got any questions or you’d like to place a case with us, speak to their dedicated team on 0161 933 7101 or your specialist account manager.