Written by Mark Langshaw Reviewed by John Tarazi
14 July 2026
Lowest rate is currently 7.89% - 5 years fixed interest only mortgage at 65% LTV
7 July 2026
Full rewrite to bring page up to date
20 April 2020
First Published
Together is a heavyweight in the UK specialist finance market. Founded over 40 years ago, they operate from their headquarters in Cheadle, Cheshire, offering a vast array of personal, commercial, and bridging finance options.
Their core philosophy is "common sense, not common practice." Together completely bypasses the rigid, automated credit scorecards used by the high-street banks. Instead, they rely on manual underwriting to untangle highly complex income streams, severe adverse credit histories, and unusual property types. They are fundamentally a solution-driven lender, designed for borrowers who have been firmly rejected by mainstream institutions.
You can compare the latest mortgage rates from Together against their competitors from across the market using our free mortgage sourcing tool below.
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About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
Mortgage & Finance Products
Together’s product range is remarkably broad, covering almost every conceivable aspect of secured property lending.
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Product Category |
Description |
Standout Features |
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Specialist Residential |
Mortgages for First-Time Buyers, movers, and remortgagers who fail standard high-street checks. |
They offer both First and Second Charge mortgages, making them a popular choice for homeowners wanting to borrow more without losing their existing low-rate primary mortgage. |
|
Bridging & Auction Finance |
Ultra-fast, short-term finance (usually up to 12 months) designed to secure properties rapidly. |
Highly flexible; they will lend on properties deemed "uninhabitable" by standard banks (e.g., properties lacking a working kitchen or bathroom). |
|
Buy-to-Let (BTL) |
Finance covering both Consumer BTL (accidental landlords) and Unregulated BTL (portfolio professionals). |
They have significantly broadened their BTL criteria, making it easier for borrowers using funds for property refurbishment to be classified as unregulated BTL. |
|
Commercial & Semi-Commercial |
Mortgages secured against pure commercial assets or mixed-use properties (like flats above shops). |
They offer long-term fixed rates and will assess highly complex corporate structures, SPVs, and offshore ownership. |
Lending Criteria
Because Together is a manual underwriter focused on specialist risks, their criteria are incredibly flexible, aiming to find a path to a "yes" by looking at the bigger picture.
Borrower Profile & Age
They lend across mainland UK (including Scotland and Wales). The minimum age at application is 18. For standard residential and regulated bridging loans, the term must usually end before the borrower's 85th birthday. However, for Consumer Buy-to-Let (CBTL), they boast no maximum age limit provided the rental income comfortably exceeds their interest coverage ratios.
Income Flexibility
Together is highly accommodating of complex and varied income. They readily accept self-employed applicants, zero-hours contract workers, and individuals relying heavily on bonuses, overtime, or state benefits. In mid-2026, they further simplified their self-employed income requirements, reducing the burden of paperwork required for complex corporate structures.
Credit History Tolerance
This is Together's primary strength. They actively lend to the "heavy adverse" market. Human underwriters will consider applicants with recent Defaults, County Court Judgments (CCJs), active or recently satisfied Individual Voluntary Arrangements (IVAs), and Debt Management Plans (DMPs). While they do accept First-Time Buyers, they stipulate that First-Time Buyers must not have declining unsecured credit (i.e., spiralling, unmanaged debt) at the time of application.
Property Types and Deposits
They are willing to secure loans against properties that terrify mainstream banks. This includes ex-council high-rises, non-standard construction (like concrete, steel, or timber-framed houses), self-builds, and defective properties (such as those requiring major renovation or affected by Japanese knotweed). Additionally, following a July 2026 update, they now accept deposits from the Scottish First Home Fund, alongside 100% gifted deposits from a wide array of close relatives.
Pros and Cons of Together
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Advantages |
Disadvantages |
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Supreme Flexibility: If you have severe adverse credit, a highly unusual property, or complex self-employed income, Together will manually assess the case where others instantly decline. |
Premium Pricing & Fees: Their interest rates and arrangement fees are significantly higher than the high street, reflecting the high-risk nature of their lending. |
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Second Charge Options: They are a major player in the secured loan market, allowing you to raise capital for renovations or debt consolidation without touching your first mortgage. |
Aggressive Arrears Management: As a high-risk specialist, they can be swift to move to enforcement if borrowers default on their short-term bridging or commercial loans. |
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Broad Age Limits: Allowing residential loans to run to age 85, and offering no maximum age on specific BTL products, provides excellent later-life borrowing capacity. |
Valuation Costs: Customers and brokers occasionally highlight that their required panel of specialist surveyors can be more expensive than standard high-street valuations. |
Customer Service and Reviews
The review landscape for Together is highly polarized, which is common for a lender operating in the complex bridging and heavy adverse credit sectors.
On platforms like Trustpilot and Feefo, they score highly (often averaging between 4.5 and 4.6 out of 5). Positive reviews frequently praise the speed of decision-making for bridging finance and the sheer relief of securing a mortgage after being rejected by multiple high-street banks. Customers appreciate the empathetic approach of the underwriters when explaining historic financial difficulties.
Conversely, on specialist financial review sites like Smart Money People, they attract a noticeable number of 1-star reviews. These negative reviews generally focus on the later stages of the application, with complaints about underwriters asking for excessive documentation right before completion, leading to delayed or occasionally withdrawn offers.
How to Apply
While Together does have a direct-to-consumer arm for certain simple personal loans, the vast majority of their complex mortgage, bridging, and commercial lending is conducted via the intermediary market.
Because their products are specialized and carry higher interest rates, it is strongly recommended that you use an FCA-regulated, independent mortgage broker. A broker will ensure that Together is genuinely the most suitable option for your adverse credit or complex property, and they will know exactly how to package the application to avoid the administrative delays that some reviewers complain about.
Get started here to begin a free, no-obligation chat with a mortgage broker who specialises in Together’s products and services and can offer impartial advice about whether they’re the right lender for you.
Yes. Together specifically caters to borrowers with severe adverse credit. They will consider applications from borrowers with active Debt Management Plans or those who have recently managed an Individual Voluntary Arrangement, though specific LTV caps and product tiers will apply.
Yes. If you buy a property at auction that currently lacks a working kitchen or bathroom, standard banks will not lend. Together’s bridging finance division is specifically designed to fund these purchases, giving you the capital to renovate the property before refinancing it onto a standard residential or BTL mortgage.
Yes. Together accepts gifted deposits and even "gifted equity" (where a family member sells you a house below market value and gifts you the difference) from a wide range of close relatives, including parents, grandparents, and siblings.