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The HMO Mortgage Broker

Together

Together has been providing specialist finance for over 45 years. They take a common-sense approach to lending, offering a wide range of products including personal mortgages, buy-to-let, bridging finance, and auction finance, often for borrowers with unconventional circumstances.

  • 45+ years of experience
  • Common-sense approach to underwriting
  • Wide product range including BTL and Bridging

HMO Services

See our guide to HMO mortgages for criteria, valuation and how specialist lenders underwrite multi-let stock. Or compare HMO mortgage lenders side by side.

Together HMO Rates

Borrower Criteria

Criteria last checked 10 March 2026.

Who they lend to

  • Yes:Individuals
  • Yes:Limited companies
  • Yes:LLPs
  • Yes:Offshore companies

Experience and credit

  • Yes:First-time landlordsWelcomes applications from first-time landlords.
  • Yes:No property experience needed
  • Yes:Adverse credit consideredHighly experienced in lending to applicants with poor credit, including CCJs, defaults, and arrears.
  • Yes:Borrowers aged 18 to 85

How to apply

  • Yes:Through a broker
  • Yes:Direct to the lender

Frequently Asked Questions

Common questions about Together and their HMO mortgage services.

What are Together's HMO mortgage rates?

Together publishes HMO mortgage rates that vary by product, loan-to-value, borrower profile and property type. Ask us for a dated illustration rather than a generic headline rate.

What are Together's borrower criteria?

Together accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 18 years, maximum age: 85 years.

Does Together accept intermediary applications?

Together accepts intermediary applications. Direct applications are also accepted.

What HMO services does Together offer?

Together offers Hmo Mortgages, Hmo Remortgages, Hmo Bridging Finance, Portfolio, Limited Company, Bad Credit, First Time Landlord. Contact us to discuss your specific requirements and find the best solution for your property investment needs.