More reasons to work with Together via 1APP on 2nd charge loans include:
- Referral service from 1APP emails you on key case updates
- No reduction of commission when using 1APP if you are advising
- Key your case once and we will populate the lenders application and documents
- AVM Home track (saving money and time on full valuation costs) – up to 70% LTV
- Interest only accepted (excludes debt consolidation cases) with the affordability based on the interest only payment
- No LTI restrictions – lending assessed on affordability
- No minimum property ownership time (cases can be accepted where land registry hasn’t been updated)
- Up to 4 applicants accepted including those that don’t reside in the property
- Self-employed – 12 months minimum trading, can use projection from year 2 onwards if the client has a qualified accountant
- Shared ownership – 2nd charges allowed on remaining share
- No minimum time in position if 12 months continuous employment (not necessarily the same industry / role) or if they have 6 months in their current role Flexible re income sources:
- 100% Benefits / pensions accepted
- Probationary period accepted
- Ages accepted from 18-80 (end the end of term)
- We accept up to 3 secured arrears / CCJ’s and defaults in the last 12 months
TFC and 1APP do not charge any up-front application/packager fees
| No Fees |  | SmartApps |
|---|---|---|
| No Application Fees Free to Use Specialist Lender Portal Key Once for all Products Applications, Documentation. Helpdesk Support. | Universal DIP for all Lenders and Products. Underwrites in Real Time Watch the Lenders Change Populates all Applications | One Data Capture Section Populates all lender applications and Documents |
TFC, working with intermediaries for over 30 years.
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