Together Mortgages
Specialist mortgage solutions for complex cases. Adverse credit, self-employed income, non-standard properties, and mixed-use lending from one of the UK's leading specialist lenders.
Solutions where others see problems
Together is one of the UK's most established specialist lenders, with over 50 years of experience finding mortgage solutions for borrowers and properties that fall outside mainstream criteria. Their common-sense underwriting approach focuses on the overall strength of each case rather than applying rigid lending rules.
Through Doulton Bridging Finance, we place cases with Together regularly and understand exactly how to present complex applications for the best outcome. Whether your challenge is credit history, income type, property type, or a combination of factors, we know how Together's underwriters assess risk.
Complex case expertise
Complex Case Expertise
Together built its reputation on solving mortgage cases that other lenders decline. Their underwriters are trained to find solutions for borrowers with complicated financial circumstances.
Adverse Credit Solutions
Comprehensive lending options for borrowers with CCJs, defaults, IVAs, and even recent bankruptcy, with rates that reflect the severity and recency of credit events.
Self-Employed Specialists
Flexible income assessment using one year's accounts, bank statements, or SA302s. Together understands that self-employed income does not always fit neat categories.
Non-Standard Properties
Lending on mixed-use properties, properties above commercial premises, HMOs, multi-unit freehold blocks, and unusual construction types that mainstream lenders avoid.
Semi-Commercial Lending
Mortgage products for properties with both residential and commercial elements, assessed holistically rather than requiring separate residential and commercial facilities.
Speed of Decision
Together's experienced underwriting team can deliver decisions quickly on complex cases, avoiding the lengthy referral chains that slow down applications at larger lenders.
How it works
Case Review
We review the complexity of your case, identifying the specific challenges and discussing them with Together's underwriting team before formal submission.
Solution Design
We work with Together to structure the most appropriate mortgage solution, selecting the right product and terms for your specific combination of circumstances.
Application Packaging
We prepare a comprehensive application that addresses potential underwriting concerns upfront, supported by the documentation Together needs to make a rapid decision.
Completion
We manage the process through valuation and legal work to completion, resolving any queries that arise during Together's due diligence process.
Discuss your complex mortgage case
Been declined elsewhere? Together specialises in finding solutions for complex cases. Let us present your case to their expert team.