Mortgages

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.

Complex Case Specialist

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.

50+

Years Lending

Complex

Case Specialist

Adverse

Credit Accepted

Mixed

Use Properties

Why Doulton

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.

The Process

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.

Get a Quote Speak to an Advisor

FAQs

Frequently asked questions

Can I get a Together mortgage through Doulton?

Yes. We hold broker agencies with Together where available and can access their intermediary product range. Where Together is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Together via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Together cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Together offer?

Together's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Together can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

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