Together Loans – Our Services
A complete suite of specialist lending products, designed for real-world circumstances. Find the Together Loans product that's right for you.
Sarah has advised on hundreds of Together Loans applications, from simple buy-to-let mortgages to complex multi-million-pound development finance cases. Her insight helps clients choose the right product for their goals.
Together Loans offers one of the UK's broadest ranges of specialist lending products. Unlike high-street banks that apply rigid automated criteria, Together's human underwriters assess each case on its own merits. The result: a lender that can genuinely help where others can't.
Below is a detailed breakdown of every Together Loans product, including typical criteria, use cases, and expert guidance on when each product is most appropriate.
Bridging Loans
Together bridging loans are short-term finance products designed to "bridge" a gap – typically between purchasing a new property and selling an existing one, or to move quickly on a time-sensitive opportunity.
Key Features
- Loan amounts from £26,000 to £10 million+
- Terms from 1 to 24 months
- LTV up to 75% (regulated); 70% (unregulated)
- First or second charge available
- Fast decisions – often within 24–48 hours
- Available on residential, commercial & mixed-use properties
Best For
- Chain break scenarios
- Buying before your current property sells
- Refurbishment projects before re-mortgaging
- Auction purchases requiring fast completion
Bridging Loan at a Glance
| Feature | Details |
|---|---|
| Min Loan | £26,000 |
| Max Loan | £10 million+ |
| Term | 1–24 months |
| LTV | Up to 75% |
| Rate from | ~0.65% per month |
| Decision | 24–48 hours |
Representative figures only. Actual rates subject to individual assessment.
Residential Mortgage at a Glance
| Feature | Details |
|---|---|
| Min Loan | £50,000 |
| Max Loan | £1 million+ |
| Term | Up to 40 years |
| LTV | Up to 85% |
| Repayment | Capital & interest or interest-only |
| Credit History | Complex/adverse considered |
Residential Mortgages
Together residential mortgages are designed for borrowers who fall outside the standard lending box. If you've been declined by a high-street bank due to self-employment, complex income, or a past credit event, Together Loans may offer the solution.
Key Features
- Self-employed and contractor-friendly
- Complex income sources accepted (rental, dividends, foreign)
- Adverse credit history considered
- Non-standard property types accepted
- Interest-only options available
Buy-to-Let Mortgages
Together buy-to-let mortgages serve landlords of all sizes – from first-time landlords to experienced portfolio holders with 20+ properties. Together's flexible criteria makes them particularly suitable for landlords with complex portfolios or those using limited company structures.
- Individual and limited company (SPV) applications accepted
- Portfolio landlords welcome (no portfolio cap)
- HMO, MUFB, holiday lets and student accommodation
- Minimum income requirements are flexible
- Expat and foreign national landlords considered
BTL Mortgage Criteria
| Feature | Details |
|---|---|
| Min Loan | £50,000 |
| Term | Up to 30 years |
| LTV | Up to 80% |
| ICR | From 125% at pay rate |
| Property | Standard, HMO, MUFB |
Secured Loans (Second Charge)
A Together secured loan (also known as a second charge mortgage) allows you to borrow against the equity in your home or investment property without disturbing your existing mortgage. This is ideal when re-mortgaging isn't possible or cost-effective.
Common Uses
- Home improvements and extensions
- Debt consolidation
- Business capital injection
- School fees or major life purchases
- Avoiding early repayment charges on existing mortgage
Expert Tip on Secured Loans
A Together secured loan is often more cost-effective than re-mortgaging if your existing mortgage has a significant early repayment charge (ERC), or if your current mortgage rate is low. Always compare the total cost of borrowing – not just the headline rate – before deciding.
– Sarah Redmond, MCSI, Specialist Finance Consultant
Auction Finance
When you buy a property at auction, you typically have 28 days to complete. High-street banks can rarely meet this deadline. Together auction finance is specifically designed for this scenario – providing fast, reliable funding so you can bid with confidence.
Fast Completion
Together can complete auction finance within the standard 28-day auction window – often faster.
Bid With Confidence
Get a Decision in Principle before auction day, so you know your maximum budget in advance.
Exit to Long-Term
Together can refinance your bridging loan into a longer-term mortgage or BTL product after completion.
Development Finance
Together development finance supports residential and commercial property developers at all stages – from site acquisition and planning through to build completion. Together's experienced development finance team understands the complexity of development projects and provides flexible drawdown facilities.
- Ground-up residential development
- Commercial to residential conversions
- Permitted development projects
- Refurbishment and light development
- Available to individuals, SPVs and limited companies
Development Finance Criteria
| Feature | Details |
|---|---|
| Min Loan | £100,000 |
| Max Loan | £10 million+ |
| Term | Up to 24 months |
| LTGDV | Up to 70% |
| LTC | Up to 85% |
| Drawdown | Stage payments |
Ready to Apply for a Together Loan?
Tell us what you need and we'll match you with the right Together Loans product. No obligation – just expert guidance.
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