Together Loans Reviews

"After being declined by three high-street banks, I found Together Loans through my broker. They approved our specialist remortgage within 48 hours of receiving our documents. The underwriter actually read our case rather than running it through an algorithm. Truly refreshing service from a specialist lender."

"I needed a Together bridging loan to complete on an auction property before the 28-day deadline. My high-street bank couldn't move fast enough. Together's team issued a Decision in Principle within 24 hours, completed the legal work in record time, and the funds were in my solicitor's account on day 21. Exceptional."

"As a self-employed sole trader with 16 months of accounts, no mainstream lender would give me a residential mortgage. Together reviewed my actual earnings rather than using a fixed formula. Approved, surveyed and completed in under 7 weeks. I now own my home thanks to Together's common-sense approach to lending."

"I hold my buy-to-let portfolio in a limited company SPV and most lenders either don't understand it or won't lend. Together Loans were brilliant – they understood the structure, offered a competitive rate, and had no issues with the fact I already had 8 mortgaged properties. Best specialist BTL mortgage lender I've used."

"We needed £75,000 for a loft conversion but remortgaging wasn't viable as our fixed rate had a large ERC. Together's secured loan (second charge mortgage) was the perfect solution – same property as security, existing mortgage untouched, funds in 3 weeks. The adviser walked us through every option clearly. Five stars."

"Together provided development finance for my first ground-up build – 4 residential units in the East Midlands. The drawdown facility worked perfectly as build stages completed, and the team were proactive throughout. Having a lender who understands development cashflow made the whole project far less stressful. Would use Together again without hesitation."

"I had a CCJ from 2022 which was satisfied, plus a couple of historic missed payments. Every mainstream lender declined me instantly. Together took the time to understand the full picture – what happened, why, and where I am now. They approved my mortgage with adverse credit and the rate was far better than I expected. Life-changing."

"Used Together to refinance a complex 7-property portfolio including two HMOs. Rates are higher than a high-street bank – but that's fair for specialist lending on non-standard cases. What you get in return is a lender who actually engages with your case. Would recommend to any serious landlord who needs flexibility over price."

"I won a property at auction on a Thursday and needed to complete within 28 days. My broker arranged a Together auction finance bridging loan and they had terms out by Monday. Legals moved quickly, funds were released on day 24. If you're buying at auction and need a fast bridging loan, Together is the lender to call first."