Lender review · Bridging, BTL, commercial mortgages and second charge
Together
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 02939389
- Methodology Public
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.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Bridging, BTL, commercial mortgages and second charge
- Ticket size
- £25k to £30m
- Typical rate
- From 0.65% per month (bridging) / 7.5% APR (mortgages)
- Decision time
- 5 to 15 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 02939389
- Founded
- 1974
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed3/5
- Decline handling4/5
How Together works
Together operates as a bridging, btl, commercial mortgages and second charge provider in the UK SMB market. 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.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £25k to £30m band, decisions land within 5 to 15 business days, and the published rate range is From 0.65% per month (bridging) / 7.5% APR (mortgages). A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Together is FCA regulated.
Where Together fits best: specialist btl and commercial property, bridging £100k to £10m, borrowers declined by mainstream banks. Where it does not fit: self-serve fast cash, sub-£25k tickets, pure unsecured business lending.
Pricing examples
Worked examples using Together's published rate range (From 0.65% per month (bridging) / 7.5% APR (mortgages)). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £49,450 | £2,060 |
| £50,000 | 36 months | £123,350 | £3,426 |
| £100,000 | 48 months | £295,600 | £6,158 |
Indicative only. Confirm on a Together quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Self-serve fast cash; Sub-£25k tickets; Pure unsecured business lending.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Specialist BTL and commercial property; Bridging £100k to £10m; Borrowers declined by mainstream banks.
Pros
- + 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.
Cons
- − 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 for
- · Specialist BTL and commercial property
- · Bridging £100k to £10m
- · Borrowers declined by mainstream banks
Weak at
- · Self-serve fast cash
- · Sub-£25k tickets
- · Pure unsecured business lending
When to use Together
Use Together when
Your application matches the best-fit profile: specialist btl and commercial property, bridging £100k to £10m, borrowers declined by mainstream banks. The published ticket range (£25k to £30m) covers your ask, the decision speed (5 to 15 business days) fits your cash-gap timeline, and the rate range (From 0.65% per month (bridging) / 7.5% APR (mortgages)) is acceptable to you given your credit profile.
Do not use Together when
Your profile sits in the weak-at list: self-serve fast cash, sub-£25k tickets, pure unsecured business lending. Together will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Together as a screen.
FAQs
What is the minimum trading time for Together?
Together typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Together require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Together is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For bridging, btl, commercial mortgages and second charge specifically, expect a PG to be requested.
How fast does Together fund?
Together quotes 5 to 15 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Together?
Together's published range is From 0.65% per month (bridging) / 7.5% APR (mortgages). The headline number is rarely the offered number. Rate transparency on this lender scores 4/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Together declines me?
If Together declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Together scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via togethermoney.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Together.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: togethermoney.com.