Together Lowers Buy to Let Mortgage Rates: Flexible Lending for Investors and Landlords (September 2025 Update)

Introduction: Together Announces Buy to Let Rate Reductions

Together, a well-established UK lender known for its flexible approach to property finance, has announced new reductions across its Buy to Let (BTL) mortgage rates. Effective from Friday 19th September 2025, these changes follow a decrease in the Bank of England base rate, making Together’s BTL offerings even more competitive for landlords and investors. This update supports those looking for versatile lending options in a dynamic property market.

Key Rate & Product Updates

• New Variable Buy to Let Rates: Starting from 8.54% with a 2.5% product fee.
• Available for all new quotes from 19th September 2025.
• Changes apply to the latest pipeline cases, provided plan selection is updated to capture the new rate.

For a detailed overview of all current rates and criteria, download Together’s product guide here.

Criteria & Pipeline Management Updates

• Flexible Affordability: Together continues to offer a pragmatic approach, accepting a wide range of income sources (including projections and multiples), and offering solutions for those with adverse or imperfect credit.
• Non-Standard Properties: Lending is available on property types often declined elsewhere, such as ex-council flats and complex freeholds.
• Both first-time landlords and experienced property investors are welcome.
• Foreign nationals and expat applicants are accepted.

Applicants with existing quotes or applications wishing to take advantage of the updated rates should contact our team at 02392 006428 for guidance.

Special Features & Borrower Scenarios

• Imperfect Credit Accepted: Consideration for applicants with prior credit issues, helping those who might not meet standard lender criteria.
• Varied Income: Borrowers with multiple or projected income streams can be considered, supporting self-employed or portfolio landlords.
• Complex Properties: Will lend on buildings with non-standard construction or complex title arrangements that mainstream lenders often exclude.

These features make Together’s BTL range particularly suitable for:

• Property investors seeking to grow or diversify their portfolios.
• Landlords of non-standard or converted properties.
• Individuals with unique personal or financial circumstances (e.g., expats, those with mixed income sources).
• First-time buyers entering the buy to let market.

Why Choose Together for Buy to Let Mortgages?

• Experience: Over 50 years’ lending in the UK property market.
• Flexible Criteria: Common-sense underwriting supports applications that standard banks may reject.
• Specialist Property Solutions: Especially strong for complex cases, non-standard assets, and borrowers in need of tailored finance.
• Dedicated Case Support: Experienced underwriting and support teams to guide applicants through challenging or unusual cases.

Conclusion

Whether you’re seeking to invest, remortgage, or enter the market as a first-time landlord, Together’s updated Buy to Let mortgage options could help unlock your property goals. For the latest rates, lending criteria, or tailored guidance to suit your individual profile, contact our expert mortgage advisers today for personalised support – we’re here to help you access the most flexible BTL solutions available in the UK.

FAQs: Together Buy to Let Mortgage Changes

• Who qualifies for Together’s Buy to Let mortgages?Individuals, first-time landlords, property investors, expats, and applicants with non-standard income or properties. Even those with imperfect credit may be considered.
• How do these new rates affect my monthly repayments?Reduced rates can mean lower variable monthly payments, but your exact amount depends on property value, loan size, and personal circumstances. Get a custom quote for accurate calculations.
• Will Together consider unusual property types?Yes, Together lends on a wide range of non-standard and complex property types, often declined by mainstream lenders.
• How do I apply or update an existing application for the new rate?Start a new quote or re-quote via Together’s Portal, or call 0161 933 7042 for underwriting support on updates to applications in progress.
• Are foreign nationals and expats eligible?Yes. Together considers applications from foreign nationals and UK expats – ideal for globally mobile property investors.