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 routing verdict
- Product: Bridging, BTL, commercial mortgages and second charge.
- Ticket band: £25k to £30m.
- Decision time: 5 to 15 business days.
- Pricing: From 0.65% per month (bridging) / 7.5% APR (mortgages).
- FCA-authorised.
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
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- 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.
When we route elsewhere
- 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Together decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + 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.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Together and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.