Compare Together Bridging Loan Quotes Against The Market

Together Financial Services Limited is the UK’s largest specialist property lender, delivering regulated and unregulated bridging loans from £26,000 to £5,000,000+ across residential, commercial, and land assets. Operating for over 50 years with a multi-billion-pound loan book, Together is widely recognised for its manual, "common-sense" underwriting approach that accepts complex income structures, non-standard property types, and historical adverse credit.

Below you can access independent advice from a bridging finance broker who specialises in Together’s product range and can compare it against the rest of the market for you.

Together Bridging Loan Key Specifications

The table below offers a quick summary of Together’s bridging finance offering.

Underwriting Appetite & Eligibility

Unlike high-street banks that rely on automated credit scoring, Together’s underwriters assess applications manually based on the overall strength of the property security and the credibility of the exit strategy.

• Adverse Credit Tolerance: Together ignores non-disruptive adverse credit (CCJs, defaults, or mortgage arrears) that occurred more than 12 months prior to application. Recent credit blips are evaluated on a case-by-case basis.

• Flexible Self-Employed Criteria: Sole traders, freelancers, company directors, and complex corporate structures need only 12 months of trading history (verified via 3 months of bank statements or accounts).

• Non-Standard Construction: High appetite for properties rejected by mainstream lenders, including timber-framed builds, flat roofs, thatched roofs, defective housing, and unmortgageable derelict structures.

• Cross-Charging Capabilities: Borrowers can secure a single loan facility across multiple properties, allowing for 100% gross loan-to-value funding if sufficient equity exists across the combined security portfolio.

Speed of Execution & Valuation Options

Together offers streamlined processing mechanics engineered for time-sensitive transactions such as property auctions or urgent chain breaks:

• Automated Valuation Models (AVMs): Standard residential properties being borrowed against at up to 65% LTV (up to a £250,000 loan size) can bypass full physical surveyor inspections, cutting 5 to 7 days off completion timelines.

• Fast-Track Completions: Clean transactions utilising AVMs and experienced solicitors can complete rapidly, well below standard market turnaround averages.

• Auction & Refurbishment Speed: Decision-in-Principle (DIP) indications are issued within 24 hours, ensuring bidders can proceed with confidence prior to auction hammer fall.

Fee Structure & Cost Breakdown

While interest can be rolled up into the loan facility so no monthly servicing is required during the term, borrowers must factor secondary arrangement and legal charges into their total cost calculations:

• Arrangement Fee: Typically 2.0% of the gross loan amount (can be added to the facility).

• Redemption Administration Fee: Standard £100 exit processing fee upon redemption.

• Valuation Fees: Scale based on property value and inspection type (waived or reduced when utilizing AVMs).

• Legal Costs: Borrower covers both their own legal representation and Together’s panel solicitor fees.

Pros and Cons of Together Bridging Loans

Pros:

• High LTV & Flexible Security Limits: Offers up to 75% LTV on first charges and supports 100% funding when cross-collateralised across multiple properties.

• Pragmatic Underwriting: Exceptional appetite for complex self-employed backgrounds, non-standard property builds, and historical adverse credit.

• Fast AVM Valuation Stream: Desktop AVMs up to £250,000 shave significant time and cost off transaction setups.

• Flexible Loan Durations: Unregulated facilities can be structured from 1 up to 24 months to accommodate extended refurbishments or sales windows.

Cons:

• Higher Baseline Interest Rates: Standard monthly interest rates sit slightly above prime, bank-backed bridging lenders.

• Upfront & Facility Fees: A 2.0% arrangement fee plus dual legal costs increases overall gross borrowing expense.

• Conveyancing Friction on Complex Titles: While initial Decision-in-Principle turns are rapid, multi-property cross-charging or complex title checks can lead to legal bottlenecks.

Expert Broker Verdict and Customer Reviews

Customer Review Consensus

Together maintains an "Excellent" 4.5 out of 5 rating on Trustpilot (across over 2,300+ independent customer reviews) and a 4.6 out of 5 rating on Feefo.

• What Customers Praise: Borrowers frequently highlight the efficiency and helpfulness of named relationship managers, clear communication during time-sensitive auction deadlines, and Together's willingness to approve deals after high-street banks say no.

• Common Grievances: Critical reviews primarily center around pricing expectations - where borrowers note higher overall borrowing costs compared to mainstream lenders - or occasional friction between solicitors during the final conveyancing stages.

Broker Verdict

How to Apply for a Together Bridging Loan

Applying for a Together bridging loan can be completed directly or through an accredited independent specialist broker to ensure your exit strategy and asset portfolio are structured for optimal pricing. The application journey follows five defined steps:

1. Initial Enquiry & Decision in Principle (DIP): Submit property details, required loan amount, and your target exit strategy. Together issues a Decision in Principle (DIP) within 24 hours outlining proposed rates and terms.

2. Full Application & Document Submission: Complete the formal application and provide supporting documentation, including photo ID, proof of address, 3 months of bank statements, and confirmation of your exit route (e.g., AIP for refinance or property sale details).

3. Property Valuation: For eligible properties borrowing up to 65% LTV (up to £250,000), an Automated Valuation Model (AVM) is performed instantly. For higher LTVs, commercial premises, or heavy refurbishments, a physical inspection is instructed through Together’s valuation panel.

4. Underwriting & Legal Due Diligence: Together’s underwriting team completes background credit checks while instructing panel solicitors. Your appointed conveyancer receives the legal pack to perform title searches and establish security charges.

5. Binding Offer & Fund Drawdown: Upon legal sign-off and review of the formal loan agreement, funds are wired directly to your conveyancer for immediate completion.

Get started hereto begin a free, no-obligation chat with a bridging finance broker who specialises in Together’s product range and can advise you about their products.