Here’s a list of frequently asked questions…
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Together loans
It’s a mortgage and a ‘linked’ unsecured loan which run side by side. You make one payment to us each month which covers both the mortgage and the loan.
Yes, there’s no limit to the amount you can overpay by. You can choose to make regular overpayments, for example by paying an extra £100 each month, or lump sum overpayments. Making overpayments will reduce the amount of interest you will pay over the term of your loan.
You can find out how to make overpayments and how much you could save in the Making overpayments section of our Manage Account page
Yes, but if you do this the interest rate on your loan will increase to no more than 8% above the Standard Variable Rate. You can find out exactly how much it will increase to by checking your original mortgage offer or by calling us on 0300 159 7152. Phone lines are open Monday to Friday 8:30am – 6:00pm. You may wish to seek independent financial advice before doing this so you can check it’s the right thing to do.
Yes, you can pay off your unsecured loan at any time. To find out how much you owe and how to make the payment, you will need a redemption statement. You can request one by:
- Logging into your account using our secure self-service facility and clicking ‘Redemption’.
- Calling us on 0330 159 7152. Phone lines are open between 8:30am and 6:00pm Monday to Friday.
- Writing to us at: Landmark Mortgages, PO Box 115, Skipton BD23 9FE.
No. You’re not eligible for a loyalty discount if you have a Together mortgage.
Your mortgage is secured against your property, whereas an unsecured loan is not. Your mortgage may be made up of more than one loan, which we call sub accounts. You could have more than one sub account because you took out a further advance on your mortgage. Each sub account has its own account number.
Your mortgage is a priority bill. This is because of the consequences if you don’t keep up with the payments. If you fall behind on your payments, we may ask the court for possession of your property and you may lose your home. If you’re struggling with your mortgage payments, you can find more information on the support we can offer in the Mortgage worries section of our Support page.
Examples of other priority bills are council tax, gas or electricity, court fines and child maintenance. If you’re struggling with the payments on your priority bills you may find it helpful to speak to a debt advisor.
A debt advisor will look at your overall financial position and recommend ways to deal with your debts (including your outstanding mortgage balance). They won’t tell anyone you’ve spoken to them unless you instruct them to act on your behalf and speaking to them won’t affect your credit score. Many people say they have their first good night’s sleep in months after speaking with a debt advisor*.
*Source – StepChange Debt Charity – June 2023
Your unsecured loan isn’t secured against your property. This means it is not a priority bill as you won’t lose your home if you fall behind on the payments on your loan.
If you’re struggling with the payments on your unsecured loan with us or other unsecured debts, you may find it helpful to speak to a debt advisor.
You can find more information about the debt advice organisations we work closely with in the Independent support section of our Support page.
Yes. Make your payment in the normal way and then send us a secure message using our secure self-serve facility to tell us which sub account you want the payment to go to. Each sub account has its own account number, so it’s best to quote this. You can find this information on the account summary page of our secure self-serve facility.