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.
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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?
Does Together Money accept bad credit?
Is Together Money a bank?
What types of property does Together Money lend on?
How to Apply
Broker only. Together Money products are available through mortgage brokers. Find a broker with Together Money on their panel.
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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.