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)