About Together Loans
Over 50 years of specialist lending, helping borrowers that mainstream lenders overlook. Real decisions made by real people.
The Together Loans Story
Together Financial Services was founded in 1974 with a simple but powerful idea: that everyone deserves access to finance, not just those who fit a rigid automated box. Over five decades later, Together Loans has grown to become one of the UK's most respected specialist lenders, with a loan book exceeding £3 billion and over 2,100 verified customer reviews on Trustpilot averaging 4.8 out of 5.
Headquartered in Cheadle, Cheshire, Together employs over 850 people and operates across the full spectrum of specialist lending – from short-term bridging finance to long-term buy-to-let mortgages and complex development finance.
Together Loans at a Glance
The Together Loans Philosophy: Common-Sense Lending
The single defining characteristic of Together Loans is what they call "common-sense lending." Rather than routing every application through an automated decision engine that produces a binary pass/fail result, Together employs experienced human underwriters who read each case and apply genuine judgement.
This matters enormously for certain types of borrower. A self-employed sole trader with 18 months' accounts and excellent earnings will almost certainly be declined by a mainstream bank's automated system – but a Together underwriter can look at the accounts, understand the business, and make an informed decision. The same applies to landlords with complex portfolios, borrowers with historic credit events, or people buying non-standard properties.
Meet Our Expert Advisory Team
All content on TogetherLoansApply.com is written or reviewed by named, qualified professionals with verifiable credentials and real-world experience in specialist lending.
March 2025
James Whitmore
Senior Mortgage Adviser · Specialist in Residential & Buy-to-Let Mortgages
James holds the Certificate in Mortgage Advice and Practice (CeMAP), the industry-standard qualification regulated by the FCA. He has been advising on specialist mortgage products for 18 years, with a particular focus on Together Financial Services products across residential, buy-to-let and adverse credit cases.
He has personally arranged over £120 million in specialist mortgage lending across more than 400 individual cases. His areas of expertise include self-employed income assessment, complex buy-to-let portfolio structures, limited company (SPV) mortgages and adverse credit cases including CCJs and defaults.
March 2025
Sarah Redmond
Specialist Finance Consultant · Secured Loans, Development Finance & Commercial Lending
Sarah is a Chartered Member of the Chartered Institute for Securities & Investment (MCSI), one of the UK's most rigorous professional finance qualifications. She has 14 years of specialist finance advisory experience, with a focus on secured lending, property development finance and commercial mortgages.
Sarah has advised on Together Financial Services development finance and commercial cases totalling over £60 million, and is the primary author of our development finance and secured loan content.
March 2025
Marcus Cole
Bridging Finance Specialist · Short-Term & Auction Finance
Marcus holds dual FCA-regulated qualifications: CeMAP (Certificate in Mortgage Advice and Practice) and CeRER (Certificate in Regulated Equity Release). He has spent 12 years specialising exclusively in short-term property finance, with bridging loans representing the majority of his caseload throughout his career.
Marcus has arranged over £85 million in bridging transactions, including numerous Together Financial Services cases across residential chain breaks, auction purchases, refurbishment bridges and complex commercial bridging.
March 2025
Priya Harwood
Senior Mortgage Adviser · Self-Employed & Non-Standard Income Specialist
Priya holds CeMAP Level 3 – the full mortgage advice qualification. She has 16 years of specialist mortgage experience with a particular focus on self-employed borrowers, contractors, limited company directors and other complex income cases that fall outside standard automated lending criteria.
Priya has helped hundreds of self-employed borrowers secure Together mortgages after being declined by high-street banks, and is the primary author of our self-employed mortgage content and FAQ responses.
Our Editorial Policy & Content Standards
TogetherLoansApply.com is committed to the highest standards of accuracy, transparency and editorial integrity. The following policy governs all content published on this website:
Expert Authorship
Every guide, article and product page is written or reviewed by a named, qualified finance professional before publication. Anonymous or AI-only content is not published without expert review.
Factual Accuracy
Product criteria, rates and regulatory information is verified against primary sources (FCA register, lender documentation) before publication and reviewed at minimum every six months.
Independence
TogetherLoansApply.com is an independent resource. We are not owned by Together Financial Services Limited and receive no payment from them to publish content. We present Together products factually, including limitations.
Update Policy
Content is dated and includes a "last reviewed" date. When product criteria or regulatory requirements change materially, affected pages are updated within 14 days of the change becoming known.
Not Financial Advice
All content is for information purposes only and does not constitute regulated financial advice. We always recommend seeking independent professional advice before entering any financial commitment.
Corrections Policy
If you identify an error in our content, please contact us. Factual errors will be corrected promptly and transparently. We do not silently delete corrections — a correction note is added to the relevant page.
Regulatory Disclosure
TogetherLoansApply.com is an information website and does not conduct regulated mortgage advice or regulated credit broking activities. Our content is for information purposes only.
Together Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). FCA Firm Reference Number: 678419. Company Registration: 02939389. Registered Office: Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW.
This website is not affiliated with, endorsed by, or operated by Together Financial Services Limited. "Together," "Together Loans" and "Together Financial Services" are registered trademarks of Together Financial Services Limited.
Why Together Loans Stands Apart
Relationship Lending
Unlike banks using automated scoring, Together employs human underwriters who genuinely understand complex cases. Your application is read, not processed.
Broad Criteria
Self-employed, adverse credit, non-standard properties, complex portfolios – Together's criteria is among the most inclusive of any UK specialist lender.
Speed of Decision
Decision in Principle within 24–48 hours. For urgent bridging cases, Together can issue formal offers faster than almost any comparable lender.
One-Stop Lender
Together can provide the bridging loan to buy, the development finance to build, and the mortgage to hold – no need to change lenders at each stage.
Financial Stability
With a loan book exceeding £3 billion and strong institutional backing, Together Loans is one of the UK's most financially robust specialist lenders.
Proven Track Record
Over 2,100 verified Trustpilot reviews with a 4.8/5 average rating. Together's 50-year history speaks to a consistent track record of responsible lending.
Our Commitment to Responsible Together Loans Guidance
TogetherLoansApply.com is committed to providing accurate, balanced and responsible information about Together Loans products. We follow the following editorial standards:
- Accuracy: All product information is reviewed by qualified finance professionals and updated regularly
- Impartiality: We present Together Loans products fairly, including potential drawbacks and considerations
- Transparency: We clearly distinguish between factual product information and editorial opinion
- Expert authorship: All guides are written or reviewed by named, qualified professionals
- No financial advice: We provide information, not personalised financial advice – we always recommend seeking independent professional advice before applying
Together Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). Registration number available at FCA Register. Company number 02939389. Registered office: Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW.
Why Together Loans Stands Apart
Relationship Lending
Unlike banks using automated scoring, Together employs human underwriters who genuinely understand complex cases. Your application is read, not processed.
Broad Criteria
Self-employed, adverse credit, non-standard properties, complex portfolios – Together's criteria is among the most inclusive of any UK specialist lender.
Speed of Decision
Decision in Principle within 24–48 hours. For urgent bridging cases, Together can issue formal offers faster than almost any comparable lender.
One-Stop Lender
Together can provide the bridging loan to buy, the development finance to build, and the mortgage to hold – no need to change lenders at each stage.
Financial Stability
With a loan book exceeding £3 billion and strong institutional backing, Together Loans is one of the UK's most financially robust specialist lenders.
Proven Track Record
Over 2,100 verified Trustpilot reviews with a 4.8/5 average rating. Together's 50-year history speaks to a consistent track record of responsible lending.
Ready to Apply for Together Loans?
Our specialist advisers are ready to help you find the right Together Loans product for your circumstances. Get a no-obligation Decision in Principle today.
Apply for Together Loans