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WHY YOU SHOULD PLACE CASES FOR TOGETHER MONEY VIA BRIGHTSTAR

November 2018

Specialist lender Together has launched a series of exclusive products covering 4 of our specialist lending areas.  Each exclusive product offers a lower rate, among other money saving benefits, that cannot be obtained on a direct-to-lender basis.

 

Together’s pragmatic approach to underwriting means that they can often lend when others can’t; take a look at the summaries below to help guide when you should be thinking of Together for your client:

 

EXCLUSIVE FIRST CHARGE RESIDENTIAL PRODUCT

Together can help clients who have a situation that involves non-standard properties, clients that have been gifted their equity, are self-employed or have complex income streams.

  • 2 year fixed at 5.49% (0.5% lower than rates available on a direct-to-lender basis)
  • Fixed lender fee of £1495 (2.5% on a direct-to-lender basis)
  • Adverse over 12 months ignored
  • All property types considered
  • ERC 3% and 2%

 

EXCLUSIVE BUY-TO-LET PRODUCT

Together’s criteria includes lending to individuals, limited companies, plus: MUFB, HMO, Student Let, Portfolio Loan, Property Refurbishment, Holiday Let, Ex-Pat, Foreign Nationals.

  • Repayment rates from 5.97% (5.99% on a direct-to-lender basis)
  • Interest only rates from 6.29% (6.49% on a direct-to-lender basis)

 

EXCLUSIVE BRIDGING PRODUCT

Together will consider some adverse credit and will lend in a wider geographical area than the majority of bridging lenders.

  • Rates start at 0.49% per month (0.65% per month direct-to-lender basis)

 

EXCLUSIVE COMMERCIAL PRODUCT

Together will accept an accountants reference to prove affordability.

  • Rates from 6.99% (9.9% on a direct-to-lender basis)
  • Lender arrangement fee 2.5% (3% on a direct-to-lender basis)
  • Reduced ERCs 4, 4, 4, 3, 2, 1 (6, 6, 6, 5, 4, 3, 2, 1 on a direct-to-lender basis)

 

 

ENQUIRE (Specialist residential mortgages)

ENQUIRE (Complex buy-to-let)

ENQUIRE (Short term lending)

ENQUIRE (Commercial finance)