Our Verdict
If your credit history rules you out of the cheapest lenders but is not severe, Together is one of the few regulated names that will still say yes: from 0.71%/month at up to 75% LTV.
The flexibility only helps if your adverse credit fits Together’s published thresholds: satisfied CCJs under £3,000, defaults under £300, arrears over 12 months old. Clean-credit borrowers pay over the odds here, UTB and Octopus start lower, and bridging is not FSCS-covered.
Visit Together →Everything below explains the trade-offs in full.
Together Bridging Loans at a Glance
Together lends from 0.71%/month at up to 75% LTV, regulated and unregulated, and will read your whole credit history rather than stop at the file. The catch is the threshold: your adverse credit has to fit Together’s published limits.
Fit them and you get a competitive rate. Miss them and cheaper lenders won’t help either. Here is how the headline terms stack up for you:
| 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) |
| Verified 23 May 2026. | |
What Together Offers
Together’s pitch is flexibility: regulated and unregulated bridging from 0.71%/month for borrowers whose credit history is too marked for the cheapest lenders but not severe enough to be turned away.
The loan itself is short-term property finance, secured against the asset and released quickly, typically within 24 hours when an AVM is available, then repaid in full at exit, usually a property sale 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 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.
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 Fees
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 |
| Verified 23 May 2026. | ||||||
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.
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.
| 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 |
| Verified 23 May 2026. | ||
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 Criteria
What decides a Together bridging case is your credit profile, measured against published adverse-credit thresholds, and a credible exit, not your income.
On who can borrow, Together is broad: individuals, sole traders, partnerships, limited companies, LLPs, and SPVs, with no minimum income requirement.
Cases are assessed on the security asset and the exit strategy. UK-based applications only; properties in England, Wales, and Scotland accepted.
| 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 |
| Verified 23 May 2026. | |
| 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 |
| Verified 23 May 2026. | |
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.
Applying 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.
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.
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.
Together Exit Strategy Requirements
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 |
| Verified 23 May 2026. | |
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.
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
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.
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 Regulation, Safety and Complaints
On safety, what matters is which Together entity holds your loan. Together Personal Finance Limited is FCA-authorised (FRN 305253) for regulated bridging, so regulated borrowers get Financial Ombudsman access.
Together Commercial Finance Limited handles unregulated bridging and is not FCA-regulated at the loan level, so the Ombudsman route does not apply. Neither entity is FSCS-covered for bridging.
Together Alternatives
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.
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.
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.
Is Together Bridging Finance Right for You?
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. If you want to check your eligibility, request an indicative quote directly with Together.
How We Reviewed Together
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.