Together
Cheadle-based specialist lender with one of the largest non-bank books in UK property finance. Covers residential and commercial bridging, BTL, owner-occupier commercial mortgages, second charge and development. Fifty-year track record across multiple property cycles. Broker-distributed with a parallel direct channel.
Quick verdict
- Product: Bridging, BTL, commercial mortgages and second charge.
- Ticket band: £25k to £30m.
- Pricing: From 0.65% per month (bridging) / 7.5% APR (mortgages).
At a glance
Together, at a glance
- Legal entity
- Together Financial Services Limited
- Companies House
- 02939389
- Founded
- 1974
- Product
- Bridging, BTL, commercial mortgages and second charge
- Ticket range
- £25k to £30m
- Decision time
- 5 to 15 business days
- Ltd-only
- No, the lender also accepts other structures
Where Together is strong
- Genuine multi-product specialist lender at scale.
- Established 1974 track record across multiple cycles.
- FCA-regulated for the regulated lending book.
- Will underwrite cases mainstream banks decline on policy grounds.
Watch-outs, and when another lender may suit better
- Broker channel preferred; direct applicants routed for most products.
- Pricing varies materially by product line and case.
- Slower on commercial mortgage cases than fintech alternatives.
Best fit applicants
- Specialist BTL and commercial property
- Bridging £100k to £10m
- Borrowers declined by mainstream banks
Where Together is the wrong fit
- Self-serve fast cash
- Sub-£25k tickets
- Pure unsecured business lending
If declined by Together
If your application to Together is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Together
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Together?
Together offers bridging, btl, commercial mortgages and second charge. Ticket range: £25k to £30m. Typical rate: From 0.65% per month (bridging) / 7.5% APR (mortgages).
How long does Together take to decide?
5 to 15 business days
Who is Together the best fit for?
First on the list: Specialist BTL and commercial property. The full list is under Best fit applicants above.
When might another lender suit better than Together?
First on the list: Self-serve fast cash. The other cases are under Where Together is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: Together
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.