Together is a Manchester-based specialist lender offering regulated and unregulated bridging loans from 0.71%/month.
If your credit history has a CCJ from a disputed invoice two years ago, or mortgage arrears from when your tenant stopped paying, Together is one of the few regulated lenders that will read the whole picture rather than stop at the credit file.
Together Bridging Finance at a Glance
Our Verdict
If your credit history has a satisfied CCJ under £3,000 and you need to break a property chain within the next few weeks, Together is probably on your shortlist.
It occupies the flexible mid-market: cheaper than MT Finance for adverse credit cases, but more expensive than UTB or Octopus for clean credit.
The critical variable is whether your specific credit history sits within Together’s thresholds. If it does, you get competitive rates, 75% LTV on standard residential, and a lender with a genuine track record in complex cases.
The Smart Money People bridging-specific score (2.23/5 from 7 reviews) is a data point worth noting. Complaints include offers pulled on completion day and unclear fee communication. Get all costs and conditions in writing before you commit.
Best For
Borrowers with historic adverse credit, CCJs under £3,000 (if satisfied), defaults under £300, mortgage arrears more than 12 months old, who need 70–75% LTV on standard residential property and cannot qualify for cleaner-credit lenders at sub-0.65% rates.
Not Ideal For
Clean credit borrowers who can access UTB or Octopus at materially lower rates. Also not ideal for borrowers with very recent or severe adverse (active CCJs above Together’s thresholds, recent bankruptcy), MT Finance’s non-status approach covers those cases.
Key Facts
| Feature | Detail |
|---|---|
| Regulated rate (from) | 0.71%/month |
| Unregulated rate (from) | 0.83%/month |
| Maximum LTV (residential) | 75% |
| Loan range | £50,000 – £3,000,000 (regulated); £26,000 – £5,000,000 (unregulated) |
| Adverse credit | CCJs under £3k (if satisfied), defaults under £300, missed payments over 12 months |
| Exit fees | None on regulated bridging |
| Arrangement fee | ~2% |
| FCA regulated | Yes (FRN 305253 – regulated arm) |
| Trustpilot | 4.5/5 (2,223 reviews) |
What Is Together Bridging Finance?
How Together Bridging Loans Work
A bridging loan is short-term property finance secured against real estate. Together lends against the security and releases funds quickly, typically within 24 hours when AVMs are available.
The loan is repaid in full at the exit point: usually sale of the property or a refinance onto a longer-term mortgage.
Together is a non-bank specialist lender. It does not hold deposits and is not covered by the FSCS for bridging products. It is authorised by the FCA for regulated bridging and is one of the larger specialists in the UK market by loan volume.
Regulated vs Unregulated Bridging
Regulated bridging applies when the loan is secured on a property where you or a close family member intends to live. Together Personal Finance Limited (FCA FRN 305253) handles these loans.
You have FCA consumer protections, access to the Financial Ombudsman Service, and Together must follow the Mortgage Credit Directive.
Unregulated bridging covers investment properties, commercial premises, land, and HMOs where the borrower does not intend to occupy. Together Commercial Finance Limited handles these. There is no FCA regulation at the loan level.
We recommend reviewing unregulated terms carefully and seeking independent legal advice, the lender can set its own terms without regulatory rate or conduct constraints.
Main Loan Options
Together offers first and second charge bridging on: standard residential, buy-to-let, commercial, semi-commercial, land, and HMO properties. Second charge bridging requires the consent of the first charge lender, which adds time and potential refusal risk.
Together Bridging Loan Rates and Costs
Monthly Rates and Total Cost of Borrowing
Together regulated bridging starts at 0.71%/month. The representative APRC is 16.5% for regulated bridging. Unregulated rates start at 0.83%/month. Together expanded its lower-rate tier in 2026: the 0.85%/month tier is now available up to 60% LTV, previously 50% LTV only.
| Scenario | Amount | Rate | Term | Interest | Arrangement fee (2%) | Total repayable |
|---|---|---|---|---|---|---|
| Regulated, 65% LTV | £300,000 | 0.71%/month | 9 months | £19,170 | £6,000 | £325,170 |
| Regulated, 12 months | £500,000 | 0.71%/month | 12 months | £42,600 | £10,000 | £552,700 |
| Unregulated, 65% LTV | £300,000 | 0.83%/month | 9 months | £22,410 | £6,000 | £328,410 |
We excluded valuation fees, legal fees, and the £100 redemption admin fee from these figures. When you’re budgeting your bridge, add £1,500–£3,000 for legal costs on top, it’s the cost that catches most borrowers out when they compare only the monthly rate.
Rolled-Up vs Serviced Interest
Together offers rolled-up interest on bridging loans: interest accrues monthly and is added to the loan balance, with the full amount repaid at exit. If your cash flow is committed elsewhere during the bridge, no monthly payments are due while you wait for sale completion or planning consent.
Serviced interest, paying interest monthly, reduces the total repayable amount but requires monthly outgoings during the bridge. Together’s standard product is rolled-up; serviced interest is available on a case-by-case basis.
Fees and Charges
| Fee | Amount | Notes |
|---|---|---|
| Arrangement fee | ~2% | Representative example: £3,400 on £167,000 loan |
| Exit fee | None (regulated) | No early repayment charges on regulated bridging |
| Redemption admin fee | £100 | Charged on redemption |
| Lender legal fees | None on qualifying regulated loans | Borrower still pays own solicitor |
| Valuation | Borrower pays | AVM available up to £250k at max 65% LTV |
What Affects Your Rate
LTV is the main rate driver. Together tiers rates by LTV band. Adverse credit does not automatically increase your rate above the published floor, but underwriters may price risk into the rate for cases outside standard criteria. Property type, loan size, and term all factor into final pricing.
Together Bridging Loan Eligibility
Who Can Apply
Together lends to individuals, sole traders, partnerships, limited companies, LLPs, and SPVs. There is no minimum personal income requirement for bridging.
The loan is assessed on the security asset and exit strategy, not income. UK-based applications only; properties in England, Wales, and Scotland accepted.
Property Types, LTV and Adverse Credit
| Property type | Max LTV |
|---|---|
| Standard residential (regulated & unregulated) | 75% |
| Commercial bridging | 70% |
| Remortgages/refinancing | 65% |
| Land and non-standard (HMO/semi-commercial) | Below 75% – case-by-case |
| Adverse credit type | Together’s position |
|---|---|
| Missed payments/arrears over 12 months old | Ignored |
| CCJs and defaults under £300 | Ignored |
| CCJs/defaults under £3,000 (if satisfied) | Accepted |
| Historic bankruptcy / IVA | Considered if exit and asset are exceptionally strong |
| Recent bankruptcy | Generally excluded |
Security Requirements
Together requires a first or second charge over UK property. Second charge requires the first charge lender’s consent, which is not guaranteed and can delay completion.
AVM is available up to £250,000 at max 65% LTV for standard residential. Non-standard construction, uninhabitable, or heavily contaminated properties may not qualify.
Together also checks your credit file as part of underwriting. The adverse credit thresholds listed above are the published limits, cases below those thresholds are assessed manually.
Together Bridging Loan Application Process
How to Apply for a Together Bridging Loan
Applications go through Together’s website or via a broker. Broker applications are common in bridging, brokers can access full lender criteria and negotiate terms. Direct applications are accepted without a broker fee, but you negotiate terms yourself.
Valuation, Legal Work and Documents Needed
Standard residential properties under £250,000 at max 65% LTV can use an AVM, no physical survey, faster completion. Above that threshold or for non-standard properties, a RICS-qualified physical valuation is required at the borrower’s cost.
Legal work: Together requires solicitors on both sides. On qualifying regulated products, Together waives its own legal fees, you still pay your own solicitor. Budget £1,500–£3,000 for legal fees depending on case complexity.
When you receive Together’s formal offer, instruct your solicitor immediately, legal work is typically the longest lead time before funds release.
Decision and Completion Times
Together can complete within 24 hours on standard cases using AVM valuation and in-house legal. If you’ve bought at auction on Monday and face a 28-day completion deadline, that speed matters, you need a lender who can move before your deposit is at risk.
Complex cases, non-standard property, adverse credit, second charge, typically take 5–10 working days. Allow longer for full manual underwriting.
Exit Strategy and Risk
Acceptable Exit Routes
Your exit strategy is the first thing Together’s underwriters evaluate. If you’re buying a property with planning consent on the way and plan to sell once you have it, that’s a credible exit. If your plan is vague, expect more questions or a lower LTV offer.
| Exit route | Notes |
|---|---|
| Sale of property | Standard exit; Together requires evidence the sale is progressing |
| Refinance onto BTL or residential mortgage | Requires mortgage offer or strong in-principle evidence |
| Planning consent grant | Accepted for land bridges, acquire, gain consent, then sell or develop |
| Development exit | Considered case-by-case |
Open vs Closed Bridge
A closed bridge has a confirmed exit: contracts exchanged on a sale, or a mortgage offer received. Lower risk to the lender; Together prices these accordingly.
An open bridge has no fixed exit date. Together lends on open bridges but requires a credible exit strategy and evidence it is viable. Open bridges carry higher inherent risk, if the exit is delayed past the loan term, enforcement can begin.
What Happens If the Exit Is Delayed
If your buyer pulls out three weeks before you were due to repay, you have two options: request an extension from Together or refinance elsewhere.
Extensions are available on standard terms, typically 1–6 months, if you are current on obligations, the exit remains viable, and there is sufficient equity. Budget for a 1–2% flat fee; Together’s exact extension costs are not published.
If no extension is possible and you cannot refinance, Together can enforce against your security property. The equity cushion at your LTV is your protection. Don’t enter a bridge without a credible exit strategy and a fallback.
Together Bridging Loan Customer Reviews
What Customers Like
Together’s Trustpilot score is 4.5/5 from 2,223 reviews (May 2026). Positive themes include speed of processing, responsive relationship managers, and willingness to engage with complex cases where other lenders have said no.
Common Complaints
Smart Money People’s bridging-specific score is 2.23/5 from 7 reviews. Complaints include offers pulled on the day of completion and unclear fee communication where the total cost exceeded expectations.
The gap between the Trustpilot score (4.5/5) and the bridging-specific SMP score (2.23/5) is wide. Get all fee terms and conditions in writing before completion day.
Together Support and Regulation
Customer Support
Together provides named relationship managers for bridging cases. Borrowers and brokers deal with an individual contact rather than a call centre. Together is reachable by phone and via its website; brokers access a dedicated intermediary team.
Regulatory Status and Complaints
Together Personal Finance Limited is authorised and regulated by the FCA (FRN 305253) for regulated mortgage contracts. Regulated bridging borrowers have access to the Financial Ombudsman Service.
Together Commercial Finance Limited handles unregulated bridging and is not FCA regulated at the loan level. FOS access does not apply to unregulated bridging. Neither entity is covered by the FSCS for bridging loans.
Together vs Alternatives
Together vs United Trust Bank
UTB is cheaper on rate for clean credit: 0.57%/month against Together’s 0.71% at comparable LTV. Both cap residential LTV at 75%. UTB offers dual legal representation on qualifying loans, reducing legal costs, and its max loan of £15m exceeds Together’s £5m.
Choose Together over UTB if your credit has adverse elements UTB’s underwriting will decline, or if you need a loan below UTB’s minimum. On a clean credit case, UTB saves you £8,400 per £500,000 over 12 months.
Together vs MT Finance
MT Finance is the non-status lender for cases Together cannot take: active CCJs, ongoing arrears, discharged bankruptcy. MT Finance does not credit-score at all. Together credit-assesses with thresholds that exclude active severe adverse.
Together is cheaper (0.71% vs 0.95%), has higher LTV (75% vs 70%), and completes faster on simple cases. If Together will lend, it is the better deal. MT Finance is the escalation path when Together’s thresholds are breached.
Together vs Octopus Bridging
Octopus Bridging offers lower entry rates from 0.55%/month. If your credit is clean and the property is standard, Octopus will save you money. Together’s advantage is adverse credit acceptance, Octopus serves the cleaner end of the market.
Final Verdict: Is Together Bridging Finance Worth It?
Together is the right call when your credit history rules you out of the cheapest lenders but is not severe enough to require a full non-status lender.
Specifically: if you have a CCJ under £3,000 that’s satisfied, a default under £300, or mortgage arrears from more than 12 months ago, you qualify for Together’s 0.71%/month regulated rate.
Where Together loses to UTB: if your credit qualifies for UTB, you save £8,400 on a £500,000 loan for 12 months. We calculated that gap at 0.14 percentage points per month. If you can get UTB, use UTB.
Before you commit to Together, get the full fee schedule in writing, confirm your solicitor has reviewed the offer document, and check all conditions before you reach completion day.
Frequently Asked Questions
What is Together’s bridging loan interest rate?
Together regulated bridging starts from 0.71%/month. Unregulated bridging starts from 0.83%/month. The representative APRC is 16.5% for regulated loans. Rates vary by LTV, property type, and credit profile. Verified May 2026.
Does Together lend to borrowers with CCJs or defaults?
Yes, within thresholds. CCJs and defaults under £300 are ignored. CCJs and defaults under £3,000 are accepted if satisfied. Missed payments more than 12 months old can be ignored. Recent or large adverse credit may be declined.
How quickly can Together complete a bridging loan?
Together can complete within 24 hours on standard residential properties under £250,000 using AVM valuation and in-house legal. Complex cases typically take 5–10 working days; adverse credit cases with full manual underwriting longer.
What is the maximum LTV on a Together bridging loan?
Up to 75% LTV on standard residential property. Commercial bridging is capped at 70% LTV. Remortgages are capped at 65% LTV. AVM transactions require max 65% LTV.
Are there exit fees on Together bridging loans?
No exit fees on regulated (personal) bridging. A £100 redemption admin fee applies on redemption. Some unregulated commercial products may carry early repayment charges, check the specific product terms.
Methodology and Disclosure
How we reviewed Together Bridging Loans
What we assessed. We evaluated Together bridging loans on rates, fees, LTV, adverse credit policy, application process, and completion times.
We focused particularly on the adverse credit thresholds and the gap between Together’s overall Trustpilot score and its bridging-specific Smart Money People score.
Data sources. We verified rates and product terms from Together’s product pages and representative examples in May 2026.
We checked Trustpilot (4.5/5, 2,223 reviews) and Smart Money People (bridging-specific: 2.23/5, 7 reviews) as at May 2026. We cross-checked the FCA register for regulatory status.
Update cadence. We re-verify rates and eligibility on this page at least quarterly. We have no affiliate relationship with Together that affects our editorial assessment. See our editorial policy.