Together

We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to lending.

Based in Cheadle, Cheshire, our 800 colleagues use their expertise and industry knowledge to help our customers throughout the UK, backed by the power of a £7.8 billion loan book.

Our products

Our broad product suite of mortgages and secured loans gives us the flexibility to help customers in a wide range of specialist lending scenarios. We offer short-term finance, buy-to-let, auction finance, development funding, as well as commercial, semi-commercial and residential mortgages.

We look beyond mainstream criteria, and make fast, informed decisions for the individual behind every case. We accept wide-ranging income sources; complicated purchases; non-standard property, imperfect credit or a combination of all four.

We funded our first bridging loan in 1985. Today, as an award-winning, market-leading bridging lender we regularly provide over £143 million worth of bridging loans via 650 transactions every month*.

*Monthly average 1^st May ’24-30^th April ’25. Includes regulated and unregulated bridging loans.

Why do brokers and customers choose us?

From first charge, cross-charge, second charge and refurbishment, we offer a broad range of bridging loans to meet customers’ diverse needs across personal and commercial finance. We also have a dedicated auction finance team.

Why should you choose us:

For starters, we consider all security and property types across England, Scotland and Wales, including land. Beyond that we:

• Welcome applications from first-time property investors, non-UK residents and foreign nationals
• Provide first and second charge on our regulated and unregulated bridging range
• Offer flexibility on larger loans
• Offer serviced, retained or part-interest repayment options

What else can you expect?

Whatever your opportunity, let’s find a property finance solution together.

From unlocking a chain break to downsizing; from buying a holiday home, property-flipping or buying at auction, from reinventing office space to refurbishing retail premises, we are ready to discuss your client’s opportunity.

We pride ourselves on offering an SLA for unregulated bridging and commercial finance of 24 hours from initial review to instruction as well as internal legals, and an SLA of 48 hours for regulated bridging or personal finance. Please see our SLAs here.

We allow Automatic Valuation Models for purchases on standard properties with loans up to £250k (maximum LTV of 75%), and £500k (maximum LTV of 70%).

We accept multiple exit strategies including:

• Sale of security
• Refinance including equity release mortgages
• Inheritance
• Pension lump sums

Did you know?

Unregulated bridging

We start lending from £26k up to £5m on unregulated bridging loans for commercial, semi-commercial and residential properties, and we’re open to considering loans for greater amounts on referral.

If borrowing for commercial purposes, we’ll consider light refurbishments to be completed within a five-month window.

How does it work?

1. Secure a bridging loan at 75% max LTV
2. Carry out a light refurbishment
3. Get property re-valued
4. Secure second bridging loan on 70% max LTV

Regulated bridging

We start lending from £50k and up to £3m on first charge and up to £500k on second charge regulated bridging loans.

If homeowners seek to take a bridging loan before refurbishing and putting their home up for sale, we’ll consider light refurbishments to be completed within an eight-week window.

Looking to refinance?

At Together, we have a broad range of property finance products. As a provider of Buy to Let, Commercial and Semi-Commercial term mortgages and loans we’re ready to discuss refinance, too.

Packager? Please call the team on 03300 291 377  or email newbusiness@togethermoney.com

Network or Club broker? Please call the team on 03300 292 281 or email cndesk@togethermoney.com

Introducer? Please call the team on 03300 292 701 or email newbusiness@togethermoney.com

Looking for a bridging loan for yourself? Please visit https://togethermoney.com/

Any property used as security, including your home, may be repossessed if you don’t repay your mortgage.