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Together Review

Together is one of the UK's leading specialist property finance lenders, founded in 1974 and headquartered in Cheadle, Cheshire. The company provides bridging loans, commercial mortgages, development finance, and buy-to-let mortgages for complex cases that mainstream lenders decline. Together is known for its common-sense lending approach and willingness to look beyond automated scoring to fund property transactions that fall outside conventional criteria.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£50k – £25M

Rates

0.55% – 1.5%

per month

Speed

Indicative terms within 24 hours; completion 2–4 weeks

Trustpilot

4.7/5

6,500 reviews

What is Together?

Together (Together Financial Services Ltd) is a UK-based business finance provider founded in 1974 and headquartered in Cheadle. Together is one of the UK's leading specialist property finance lenders, founded in 1974 and headquartered in Cheadle, Cheshire. The company provides bridging loans, commercial mortgages, development finance, and buy-to-let mortgages for complex cases that mainstream lenders decline. Together is known for its common-sense lending approach and willingness to look beyond automated scoring to fund property transactions that fall outside conventional criteria. They have lent £7 billion to date, helping 80,000+ UK businesses.

Founded 1974 Cheadle Together Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA reference number 723495. Consumer mortgage lending is subject to FCA regulation; commercial lending terms may vary.

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Products offered

Bridging Loans Commercial Mortgages Development Finance

Rates and costs

Rate range
0.55% – 1.5% (per month)
Representative APR
11.4% APR representative
Amount range
£50,000 – £25,000,000
Approval speed
Indicative terms within 24 hours; completion 2–4 weeks

Representative example

Borrow £500,000 over 12 months. Total repayable: £570,000. Cost of credit: £70,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
None required for property-backed lending
Minimum turnover
None — property-backed, income and asset position reviewed
Credit requirements
Adverse credit considered on a case-by-case basis. Lending is primarily asset-backed against property. Credit issues less prohibitive than with mainstream lenders.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

We compare Together against 200+ other lenders to find the best match for your situation

3

Review your matched options — see rates, terms, and eligibility from multiple providers including Together

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Specialist in complex cases that high street banks decline
  • Over 50 years of lending history — one of the most established specialist lenders
  • Adverse credit and non-standard income accepted on a case-by-case basis
  • Fast indicative terms within 24 hours on bridging enquiries

Cons

  • Higher rates than mainstream commercial mortgages
  • Bridging loans require a clear and viable exit strategy
  • Arrangement fees and legal costs add to the total cost of borrowing
  • Not suitable for unsecured working capital or business loans

Is Together right for you?

Best for

Property investors, developers, and business owners needing fast bridging finance or commercial mortgages for complex, non-standard properties or situations that mainstream lenders decline

Not ideal for

Businesses seeking unsecured working capital, those without property as security, or borrowers who can qualify for mainstream commercial mortgage rates

Together alternatives

If Together isn't the right fit, consider these alternatives:

Funding Circle Close Brothers Fleximize Nucleus Commercial Finance

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Frequently asked questions about Together

Is Together Money legit?
Yes, Together Financial Services Ltd is a legitimate and FCA-authorised specialist lender (FCA reference 723495) with over 50 years of lending history, founded in 1974. The company has lent over £7 billion to UK property investors and businesses and holds an 'Excellent' Trustpilot rating with more than 6,500 reviews. Together is one of the most established specialist property finance lenders in the UK.
What are Together Money bridging loan rates?
Together bridging loan rates start from around 0.55% per month and can reach 1.5% or more per month, depending on loan-to-value, property type, location, and the borrower's financial profile. The representative APR is approximately 11.4%. Arrangement fees of 1% to 2% typically apply, and legal and valuation costs are charged separately. Always obtain a full cost illustration before proceeding.
Can I get a Together Money loan with bad credit?
Yes — Together is well known for its common-sense approach to adverse credit. Missed payments, CCJs, defaults, and even previous bankruptcy may be considered on a case-by-case basis. Because Together's lending is primarily secured against property, the quality and value of the asset is often the most important factor rather than credit score alone. This makes Together one of the most accessible specialist lenders for borrowers with a complex credit history.
How much can I borrow from Together Money?
Together provides bridging loans, commercial mortgages, and development finance from £50,000 up to £25 million for individual deals. Loan-to-value ratios typically range from 60% to 75% of the property value depending on the product. Larger portfolio or development deals may be considered above this range. Facilities are always secured against property.
Is Together Money FCA regulated?
Yes, Together Financial Services Ltd is authorised and regulated by the Financial Conduct Authority under FCA reference number 723495. Consumer mortgage lending is fully FCA regulated. Commercial bridging and development finance products fall under different regulatory treatment — always confirm the regulatory basis of any specific product when applying. You can verify Together's FCA status at register.fca.org.uk.
How long does Together Money take to approve a bridging loan?
Together can typically provide indicative terms on a bridging loan within 24 hours of receiving full information on the property and loan purpose. Formal credit approval usually follows within a few days. Legal completion and fund release typically takes 2 to 4 weeks, depending on solicitor speed and valuation turnaround. In urgent cases, Together's specialist team can sometimes accelerate this timeline.
Can I repay a Together Money loan early?
Yes, Together allows early repayment on bridging loans and most commercial products. Bridging loans are typically available with no early repayment charges after an initial minimum interest period, though terms vary by product. Early settlement of a commercial mortgage may incur an early repayment charge depending on your agreement. Always check your specific product terms or contact Together directly for a settlement figure.
Together Money vs mainstream commercial mortgage lenders — when should I choose Together?
Together is the right choice when mainstream commercial lenders have declined your application due to complex title, non-standard construction, adverse credit, mixed-use property, or unusual income. Together's specialist underwriting is designed for exactly these scenarios. If you qualify for a mainstream commercial mortgage with a high street bank or major challenger, you will likely get a lower rate there. Together fills the gap for the significant proportion of property transactions that fall outside standard lending criteria.

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