Together Loans –
Finance That Works
For You
When high-street lenders say no, Together Loans says yes. We offer a full range of specialist lending products – from bridging loans and mortgages to secured loans and development finance – with real decisions made by real people.
Start Your Application
No obligation · Soft credit search only
What Are Together Loans?
Together Loans is one of the UK's leading specialist non-bank lenders, with a mission to make finance accessible for people and businesses that don't fit the standard mould. Founded over 50 years ago, Together has built a reputation for common-sense lending – looking at the whole picture, not just a credit score.
Whether you're self-employed, have a complex income, are a property investor, or simply need finance faster than a traditional bank can provide, Together Loans offers a suite of flexible products designed around your circumstances.
- Residential and buy-to-let mortgages
- Bridging and short-term finance
- Secured loans (second charge)
- Auction finance (fast completion)
- Development and commercial finance
- Lending from £26,000 to £10 million+
Who Can Apply for Together Loans?
- Self-employed individuals & sole traders
- Landlords & property investors
- Those with impaired or thin credit history
- Complex income situations
- First-time buyers needing flexibility
- SME & business owners
- People in later life
- Those buying at auction
Why Use TogetherLoansApply.com?
We're an independent specialist resource dedicated to helping you find the right Together Loans product — with expert guidance from CeMAP-qualified advisers.
Fast Decisions
Together issues a Decision in Principle within 24–48 hours. For urgent bridging cases, formal offers can arrive in as little as 2–3 business days.
Human Underwriting
Every application is reviewed by a real underwriter — not an automated system. Together reads your full story, not just your credit score.
50+ Years Experience
Together Financial Services has been lending since 1974. With a £3B+ loan book and 850+ staff, they are one of the UK's most established specialist lenders.
Trustpilot 4.8 / 5
Over 2,100 verified customer reviews averaging 4.8 out of 5. Real borrowers, real outcomes — Together's track record speaks for itself.
Flexible Criteria
Self-employed, bad credit, complex income, non-standard property — Together's criteria is among the most inclusive of any UK specialist lender.
FCA Regulated
Together Financial Services Limited is authorised and regulated by the Financial Conduct Authority — giving you full FCA consumer protection on regulated products.
Our Full Range of Lending Solutions
Seven specialist products — all with human underwriting, flexible criteria and fast decisions.
Bridging Loans
Short-term finance for chain breaks, auction purchases and property opportunities. Decisions in 24–48 hours, from £26,000.
Residential Mortgages
For self-employed, complex income and adverse credit borrowers declined by high-street banks. 1 year accounts accepted.
Buy-to-Let Mortgages
Portfolio landlords, SPV limited companies, HMOs up to 10 beds and MUFBs. No portfolio cap — Together can lend regardless of how many properties you already hold.
Secured Loans
Second charge loans to release equity without remortgaging. Ideal when your existing mortgage has a large ERC or a better rate than today's market.
Auction Finance
Complete within the 28-day auction window. Get a Decision in Principle before auction day so you can bid with total confidence.
Development Finance
Ground-up builds, conversions and refurbishments. Flexible stage drawdowns, first-time developers considered. From £100,000.
Commercial Mortgages
Owner-occupied and investment commercial property. Semi-commercial properties (up to 60% commercial floor space) now accepted.
How to Apply for Together Loans
Get a Decision in Principle in as little as 24 hours — no lengthy paperwork, no automated rejections.
Enquire Online
Submit your details via our secure form — loan type, amount and property details.
Expert Review
A CeMAP-qualified specialist reviews your full case — not just a credit score.
Decision in Principle
Receive your DIP within 24–48 hours — know where you stand before committing.
Funds Released
Once approved and legal checks complete, funds are released — with support throughout.
Estimate Your Together Loan
Get an instant estimate of your monthly repayments. For a personalised quote, apply online and a specialist will contact you within one business day.
Illustrative estimate only. Actual rates subject to underwriting & eligibility.
Together Loans Advice You Can Trust
All content is produced and reviewed by qualified, experienced finance professionals.
James Whitmore, CeMAP
Senior Mortgage Adviser · 18 Yrs
Specialist in Together residential mortgages, BTL and complex income cases. Over £120M arranged.
Sarah Redmond, MCSI
Finance Consultant · 14 Yrs
Specialist in secured loans, development finance and commercial lending. Chartered MCSI member.
Marcus Cole, CeMAP & CeRER
Bridging Specialist · 12 Yrs
Together bridging loan and auction finance expert. Over £85M in short-term transactions arranged.
What Together Loans Customers Say
Over 2,100 verified reviews on Trustpilot with an average rating of 4.8 out of 5.
"I applied for a Together bridging loan with a CCJ on my record and honestly expected to be declined. Instead, the team reviewed my full circumstances, approved the loan within 48 hours, and helped me complete on an auction property before the 28-day deadline. Absolutely outstanding specialist lending."
"As a self-employed contractor, every high-street bank turned me down with only 14 months of accounts. Together Loans was the only lender who looked beyond the tick-box system. Their mortgage specialist explained the whole process, and we completed on our family home within six weeks. I can't thank them enough."
"I'm a portfolio landlord with 11 properties held in a limited company SPV, and mainstream lenders simply wouldn't touch my case. Together not only approved the buy-to-let mortgage but did so with competitive terms and no issues around the company structure. They genuinely understand property investment."
"We needed £60,000 for a rear extension but our existing mortgage had a large early repayment charge. Our broker suggested a Together secured loan (second charge) as an alternative to remortgaging – it was significantly cheaper overall. The application was straightforward and the rate was fair for a specialist product."
"As a first-time property developer, I struggled to find any lender willing to back my residential conversion project. Together's development finance team was different – they reviewed my build cost schedule carefully, asked sensible questions, and approved a £380,000 facility within two weeks. Professional from start to finish."
"After a difficult period including a missed mortgage payment three years ago, no mainstream lender would remortgage our home. Together Loans looked at the whole picture – our current income, the equity in the property, and the reason behind the blip. They approved our application and saved us hundreds per month. Highly recommend this specialist mortgage lender."
Frequently Asked Questions About Together Loans
Start Your Together Loans Application Today
Find out if Together Loans can help you – whether you need a bridging loan, mortgage, secured loan or specialist finance. Get a no-obligation Decision in Principle within 24 hours.
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