Together Loans FAQ

Together Loans (operated by Together Financial Services Limited) is a specialist UK lender founded in 1974. They offer residential mortgages, buy-to-let mortgages, bridging loans, secured (second charge) loans, auction finance and development finance. Unlike mainstream banks, Together uses human underwriters to assess each application individually, enabling them to help borrowers with complex circumstances.

Together Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA) for regulated mortgage contracts and consumer credit. Their FCA registration can be verified on the FCA Register. Note that some Together products – including buy-to-let mortgages and commercial lending – are unregulated products not covered by FCA consumer protections, though Together applies its own responsible lending standards to all products.

Together Financial Services is headquartered at Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW. They operate across the UK and lend on UK properties only. Their company registration number is 02939389.

Together Loans was founded in 1974, making it one of the longest-established specialist lenders in the UK. The business has over 50 years of experience in specialist and non-standard lending. Prior to rebranding as "Together," products were offered under various names including Cheshire Mortgage Corporation, Auction Finance and Bridging Finance.

Together Loans is available to UK residents aged 18 and over. Eligible applicants include employed individuals, self-employed people and sole traders, limited company directors, landlords (personal name or SPV), business owners, and expatriates (case by case). Together specifically targets borrowers who don't fit standard lending criteria – complex income, impaired credit, non-standard properties – though applicants with straightforward situations are also welcome.

Yes. Together Loans considers adverse credit on a case-by-case basis. They look at the severity and recency of credit issues, the reason behind them, and your current financial stability. Historic CCJs (especially satisfied ones), defaults, missed payments, and even past bankruptcy or IVA can all be considered, though the terms offered will reflect the risk profile. A severe or very recent adverse credit event is less likely to be accepted than a minor, older issue.

Yes – Together is one of the most self-employed-friendly lenders in the UK. They accept self-employed applicants with as little as 1 year's accounts (many banks require 2–3 years), and they consider a range of income types including director salary plus dividends, retained business profits, variable freelance income, and multiple income streams. The key is providing clear, documented evidence of your earnings.

You can apply for Together Loans by: (1) submitting an enquiry through this website and being connected to a specialist adviser; (2) contacting Together directly via their website (togethermoney.com); or (3) going through a mortgage broker or financial adviser who works with Together. For most complex cases, using a specialist broker is recommended as they can present your case in the most favourable light and select the most appropriate product.

Together can issue a Decision in Principle (DIP) within 24–48 hours of receiving a complete application. The full application-to-completion timeline varies by product: bridging loans can complete in as few as 5–7 days; mortgages typically take 3–8 weeks depending on valuation, legal work and document provision. Complex cases may take longer.

Together Loans rates are tailored to individual circumstances and cannot be published as a standard rate table. As a specialist lender, rates are typically higher than mainstream banks to reflect the additional complexity of the cases they accept. Bridging loan rates typically start from around 0.65% per month (indicative only). Mortgage rates vary based on LTV, product type, credit profile and property. Always request a personalised illustration before proceeding.

Together typically charges arrangement fees on their lending products. These vary by product and loan amount, and can often be added to the loan (though this increases the total cost of borrowing). Bridging loans may also have exit fees. Always request a full Key Facts Illustration (KFI) or European Standardised Information Sheet (ESIS) for regulated products so you can compare the total cost of borrowing.

ERCs vary by product. Some Together mortgage products have early repayment charges during an initial fixed or discounted rate period. Bridging loans may have a minimum interest period. Always check the specific product terms and the Key Facts Illustration before committing, as ERCs can be significant if you need to exit early.

Together has significantly broader property acceptance criteria than mainstream lenders. Accepted types include: ex-local authority properties, non-standard construction (steel frame, timber frame, Wimpey No-Fines, Airey houses), properties above commercial premises, short leasehold (from approximately 70 years), new builds, properties with restrictive covenants, agricultural ties, and mixed-use/semi-commercial properties. Some very unusual or high-risk properties may still be declined.

Together can lend on some properties in poor condition, though the product used depends on the circumstances. For uninhabitable properties (no working kitchen/bathroom, structural issues), a bridging loan or development finance is typically more appropriate than a mortgage. Once the property has been renovated to a habitable standard, it can be refinanced onto a longer-term product.

Yes. Together offers commercial mortgages and semi-commercial mortgages for properties with a commercial element. Their recent criteria update allows properties where up to 60% of the combined floor space is used commercially to qualify as semi-commercial. Full commercial properties – offices, retail units, industrial – are also considered through their commercial lending products.