Together is a UK specialist mortgage and secured lending group offering bridging loans, auction finance, development finance, commercial and buy-to-let mortgages and secured business loans. Its stated approach is common-sense lending for cases that mainstream lenders may not take on. Bridge & Build Finance is an independent broker and is not part of Together; it is one of the lenders we compare for bridging loans, regulated bridging and second charge bridging. You can read more on Together's own website.
About Together
Together is a trading style used by a group of lending companies, with its registered office in Cheadle, Cheshire. It says it has been funding property ambitions since 1974. Several group companies are authorised and regulated by the Financial Conduct Authority for regulated lending, while its commercial lending, through Together Commercial Finance Limited, is not FCA regulated.
Together describes itself as a specialist mortgage and secured loan provider. Its range covers personal and business borrowers, from regulated bridging and secured loans for homeowners to commercial mortgages, buy-to-let mortgages, development finance and larger corporate facilities.
Its long-standing selling point is that it looks at the whole picture, including credit history rather than just a credit score, and it says it can often help when other lenders cannot.
What Together funds
At the time of writing (October 2026), Together's bridging range includes the following. Loans for intermediaries generally run from £26,000 to £5 million, with a typical term of 12 months.
| Product | What it is for | Maximum leverage |
|---|---|---|
| Residential bridging, first charge | Purchases, auctions, refurbishment, development exit and capital raising | Up to 75% LTV |
| Residential bridging, second charge | Raising funds behind an existing term mortgage | Up to 70% combined LTV |
| Semi-commercial bridging | Mixed-use property | Up to 70% LTV on purchase, lower on refinance |
| Commercial bridging, first and second charge | Investment and business premises | Up to 70% LTV on first charge purchases; lower on second charge |
| Land bridging | Land purchases and refinance | Up to 70% LTV on purchase |
| Regulated bridging | Homes the borrower or family lives in: chain breaks, downsizing and buying before selling | Case by case, terms typically up to 12 months |
Together's regulated bridging is a regulated mortgage contract. We will tell you at the outset if that applies and how your case will be handled. Its unregulated bridging covers England, Scotland and Wales. Second charge bridges are generally placed behind an existing term mortgage rather than another bridge. Together also says that additional security can, in some cases, support up to 100% funding of a purchase.
See our guides to chain break bridging loans and auction finance for two common uses.
Who Together suits (and who it may not)
Together tends to suit:
- Homeowners needing a regulated bridge to buy before they sell or to break a chain.
- Investors and businesses borrowing from smaller amounts, from £26,000, up to £5 million.
- Borrowers with complex income, self-employment or older credit problems.
- Second charge borrowers who want to keep their existing mortgage.
- Expats and non-UK nationals, which its intermediary guide lists as accepted.
- Older borrowers: there is no maximum age where repayment does not rely on income.
It may not suit borrowers with recent serious adverse credit wanting its most favourable terms, very large or long bridges, or schemes needing full development funding over a long build period.
What Together looks at
Together assesses each case individually. It looks at:
- Credit history, rather than a credit score alone. Its most favourable terms are for borrowers with no recent CCJs, defaults or secured arrears, while older adverse credit is treated more leniently.
- The property and its value, by full valuation or, on some residential cases, an automated valuation.
- The exit: sale, refinance or another source of repayment within the term.
- For serviced loans or second charges: affordability from rent or income.
- The borrower: individuals, sole traders, partnerships, LLPs and companies, with age limits where income is relied on.
Pros and cons
Pros
- Long track record, lending since 1974.
- Regulated and unregulated bridging.
- Low minimum loan of £26,000.
- First and second charge across residential and commercial.
- Flexible on income type and older adverse credit.
- Lends in Scotland as well as England and Wales.
Cons
- Recent adverse credit can mean higher pricing or a different product.
- Typical term of 12 months, shorter than some lenders.
- Second charge only behind a term mortgage.
- Lower leverage on commercial and land than on residential.
Going through a broker vs going direct
You can approach Together directly, and it also has a dedicated intermediary range. Comparing first matters because Together's pricing depends heavily on credit history and property type, and a borrower with clean credit or a straightforward case may find better terms elsewhere. Regulated bridging is a regulated mortgage contract, and we will tell you at the outset if that applies to your case and how it will be handled.
We search the market, set Together alongside other suitable lenders, present your case and manage the application through to completion. It is free to enquire, and any broker fee is disclosed before you proceed.
Alternatives to Together
- United Trust Bank: regulated and unregulated bridging, first and second charge.
- West One: regulated and unregulated bridging, including second charges.
- Masthaven Finance: first and second charge bridging.
- Precise Mortgages: bridging from a specialist bank group.
- Charles Street Finance: residential, commercial and second charge bridging.
Common questions
How much can I borrow on a Together bridging loan?
At the time of writing, Together's bridging runs from £26,000 to £5 million, up to 75% LTV on residential property.
Does Together offer regulated bridging?
Yes. Together offers a regulated bridging loan for homeowners, which is a regulated mortgage contract. Its commercial bridging is not regulated.
Does Together accept adverse credit?
Together reviews credit history case by case. It says adverse credit older than 12 months is disregarded when setting the rate, while more recent problems may mean different terms.
Does Together lend in Scotland?
Yes. Its unregulated bridging covers England, Scotland and Wales.
Can Together lend on a second charge?
Yes, on residential and commercial property, generally behind an existing term mortgage rather than another bridge.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
