Together Bridging Loans
Fast, flexible short-term finance for property purchases, chain breaks and time-sensitive opportunities. Decisions in 24–48 hours.
Marcus has arranged over £85 million in bridging finance transactions, including dozens of Together bridging loan cases. He specialises in complex residential, mixed-use and semi-commercial bridging scenarios.
What Is a Together Bridging Loan?
A Together bridging loan is a short-term secured finance facility, typically lasting between 1 and 24 months. It is designed to "bridge" a financial gap – most commonly when a borrower needs to complete on a property purchase before their existing property has sold, or when they need to act faster than a standard mortgage allows.
Together is widely regarded as one of the UK's most responsive bridging lenders. Their willingness to consider complex cases – non-standard properties, borrowers with complex income, unusual ownership structures – combined with their fast underwriting, makes Together bridging loans a first-choice product for many property investors and homebuyers.
Key Benefits of Together Bridging Loans
- Speed: Decisions in principle within 24–48 hours; completions within days in urgent cases
- Flexibility: First and second charge; residential, commercial and mixed-use properties
- Criteria: Adverse credit considered; complex income accepted; non-standard properties welcome
- Scale: Loans from £26,000 up to £10 million and beyond
- Exit options: Together can refinance your bridging loan into a long-term mortgage or BTL product
Types of Together Bridging Loans
Regulated Bridging Loans
Regulated bridging loans apply when the borrower (or a close family member) intends to live in the secured property. These are governed by the FCA and carry full consumer protections.
- Suitable for residential chain breaks
- First-time buyers needing fast finance
- Owner-occupier purchase at auction
- LTV up to 75%
Unregulated Bridging Loans
Unregulated bridging loans apply to investment or commercial properties. Not subject to FCA consumer regulations, these offer greater flexibility in structure and use.
- Buy-to-let and investment purchases
- Commercial property acquisitions
- Land and development sites
- LTV up to 70%
When to Use a Together Bridging Loan
Based on 12 years of arranging bridging finance, the most effective use cases for Together bridging loans fall into four clear categories:
1. Chain Break Finance
If your property purchase is at risk because your buyer has pulled out or your chain has collapsed, a Together bridging loan can keep the transaction alive. You complete the purchase using the bridge, then repay it when your original sale completes (or when you sell a different property).
2. Auction Property Purchase
Property auctions require completion within 28 days. A standard mortgage application takes 6–12 weeks. Together bridging loans are specifically structured to meet auction timelines, with fast underwriting and a streamlined legal process.
3. Refurbishment Bridge-to-Let
Buy an uninhabitable or unmortgageable property using a Together bridging loan, renovate it, and then refinance onto a Together buy-to-let mortgage once the property meets standard lending criteria. This is one of the most popular Together Loans strategies among property investors.
4. Capital Release Against Property
If you own property with significant equity and need fast access to capital – for a business opportunity, tax bill or investment – a Together bridging loan (second charge) can release those funds quickly while leaving your existing mortgage in place.
Together Bridging Loan Criteria
| Criteria | Together Bridging Loan Details |
|---|---|
| Minimum Loan Amount | £26,000 |
| Maximum Loan Amount | £10 million+ (case by case) |
| Loan Term | 1–24 months |
| Maximum LTV (Regulated) | 75% of property value |
| Maximum LTV (Unregulated) | 70% of property value |
| Interest Rate (from) | ~0.65% per month (indicative) |
| Interest Options | Rolled up, deducted or serviced monthly |
| Security | UK residential, BTL, commercial, semi-commercial, land |
| Charge | First or second charge |
| Credit History | Adverse credit considered on merit |
| Applicant Types | Individuals, limited companies, SPVs, LLPs |
| Decision Timeline | 24–48 hours (DIP); completions from ~5 days |
All figures are indicative. Actual rates, terms and LTVs are subject to individual underwriting assessment.
Together Bridging Loan FAQs
Related Expert Guides
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