Together Money
Specialist LenderTogether Money is a specialist lender with over 50 years of experience, offering bridging, buy-to-let, commercial, and development finance. They are known for their common-sense approach to lending, considering each case on its individual merits rather than relying on automated scoring.
About Together Money
Together Money traces its roots to 1974 when the business was founded in Cheadle, Cheshire. Over 50 years of experience has established Together as one of the UK's most established specialist lenders. The lender has grown from a small operation to a significant player in bridging, buy-to-let, commercial, and development finance.
Together is known for its common-sense approach to lending. Rather than relying on automated credit scoring, the lender considers each case on its individual merits. This has made Together a popular choice for complex cases, property investors, and developers who need flexible underwriting. Together accepts adverse credit and considers applications that other lenders would decline.
Together Money is broker-only and serves intermediaries across the UK. The lender has built a reputation for pragmatic decision-making and quick turnaround times. Together operates from its headquarters in Cheadle and has a dedicated team for each lending product type.
Lending Focus
Together Money offers mortgage products across 6 categories including Residential, Buy-to-Let, Commercial and 3 more.
Key Features
- Common-sense underwriting approach for non-standard cases
- Bridging finance with completion in as little as 3 days
- Auction finance with same-day decisions available
- Adverse credit considered on individual circumstances
- Over 50 years of specialist lending experience
Pros & Cons
Pros
- Over 50 years of specialist lending experience
- Common-sense underwriting considers each case individually
- Bridging finance available in as little as 3 days
- Wide product range including residential, BTL, bridging, and development
Cons
- –Broker-only — cannot apply direct
- –Higher rates than high-street lenders due to specialist nature
- –Maximum 80% LTV is lower than some competitors
Fees & Charges
- Arrangement Fee
- Typically 1–2% of the loan amount
- Valuation Fee
- Based on property value — usually £250–£1,500
- Early Repayment Charge
- Varies by product — typically 1–3 months interest
- Overpayment Allowance
- Varies by product — check individual terms
Mortgage Rates
Rate data coming soon. View rates on Together Money
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 1–4 weeks depending on product type
- Online DIP
- Yes — available online
- Offer Valid For
- 3–6 months depending on product
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
How fast can Together Money complete a bridging loan?
Together Money can complete bridging loans in as little as 3 days for straightforward cases, with same-day decisions available for auction finance.
Does Together Money accept bad credit?
Yes, Together Money considers adverse credit on individual circumstances using their common-sense underwriting approach. They do not rely solely on credit scores.
Is Together Money a bank?
Together Money is not a bank but a specialist lending group with over 50 years of experience. They are regulated by the FCA and have a strong track record in property finance.
What types of property does Together Money lend on?
Together Money lends on residential, buy-to-let, commercial, and development properties. They also consider non-standard construction and mixed-use properties.
How to Apply
Broker only. Together Money products are available through mortgage brokers. Find a broker with Together Money on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Aldermore | Residential, Buy-to-Let, Commercial+1 | Specialist | 85% |
| Hampshire Trust Bank | Buy-to-Let, Commercial, Bridging+1 | Specialist | 80% |
| Shawbrook Bank | Buy-to-Let, Commercial, Bridging+2 | Specialist | 75% |
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
April Mortgages: A Modern Approach to Lending
April Mortgages is enhancing its brand and operational efficiency to better serve borrowers and intermediaries, including new offerings for those over 50.
Managing a 35-Year Mortgage: Key Strategies for Borrowers
Understanding how to manage a 35-year mortgage is important for borrowers, especially as they approach retirement.
UK Property Market Activity Remains Subdued Amid Challenges
UK property market activity remains subdued as affordability and uncertainty weigh on buyers, with transactions down 2% year-on-year in August 2026.
How Klarna Affects Your Mortgage Application
Understanding how Klarna affects your mortgage application is important, especially with new FCA regulations in place.
On this page
Need help choosing a broker?
Get matched with relevant advisers.
Sample adviser photos for illustration.
100% free No obligation FCA Brokers only
View Lenders
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice.Always verify lender details directly and seek independent advice before making financial decisions.
Social Media
Follow Together Money on social media for updates and insights.