Together Bridging Loans Review 2025: Rates, LTV and Who It Suits

Together Bridging Loans: Key Numbers

If your case has a complication — adverse credit, an unusual property type, or a complex ownership structure — Together is likely the right call. For clean, standard residential bridging, more transparent competitors will often price more keenly.

Together offers bridging loans from £100,000 to £25 million on residential, commercial, and semi-commercial property. Rates start from 0.55%/month. LTV runs up to 75% on standard residential and up to 70% on commercial. Second charge bridging is available where a first charge already exists. Terms go up to 18 months.

Both regulated and unregulated bridging is available. If your property is or will become your main residence, you need a regulated bridge. If you’re buying for investment, commercial, or development purposes, the unregulated product applies.

Together doesn’t publish a rate card. That matters when you’re trying to benchmark lenders before going to DIP stage — you won’t get a number until a broker submits your case.

We rate the lack of pricing transparency as a real friction on standard cases. When your case is non-standard and Together is one of few willing to lend, the friction matters less.

What Makes Together Bridging Loans Different

When a mainstream lender declines at DIP stage because your property is ex-local authority, or your borrower has a satisfied CCJ, your broker’s next call is often Together. That’s the niche it fills.

Where most bridging lenders use automated valuation models for standard cases, Together uses its own internal property team. We found this adds real flexibility on property type, but valuation decisions are more subjective and less predictable than lenders that rely on AVM technology.

Completion timelines of under two weeks are achievable on clean cases. More complex situations take longer — but Together will often proceed where another lender would decline at DIP stage. That’s the trade-off.

Together doesn’t take direct bridging applications. All loans are processed through an approved broker panel, so your route in is via a whole-of-market bridging broker.

Together Bridging Rates and Fees

Your rate is case-by-case, driven by: property type and location, LTV, loan size, your credit profile, and exit strategy quality. There is no published rate table. The catch: you can’t benchmark Together against competitors without going to DIP stage.

From our research, rates typically start from 0.55%/month for clean residential cases at lower LTV, rising toward 1.2–1.5%/month for higher-risk or non-standard cases. Your exact rate depends on how Together assesses the risk on your specific property and exit.

The arrangement fee is typically 2% of the loan amount. Valuation and legal costs are additional — Together uses external solicitors and valuers, and dual legal representation isn’t generally available, meaning you pay both sides of the transaction.

Before your broker submits to Together, ask for a full cost illustration. Without it, you’re comparing apples and oranges against lenders who publish their rate cards up front.

Eligibility and Property Types

Your credit score isn’t the primary underwriting lever at Together — the property is. We confirmed that CCJs, defaults, IVAs, and missed mortgage payments are all considered, provided the asset provides adequate security and your exit strategy is credible.

On property type, Together accepts a wider range than most: ex-local authority, non-standard construction (steel frame, timber frame, pre-fab), properties with short leases (subject to exit strategy), mixed-use, and properties with commercial elements.

When you’re searching for a lender willing to fund a property with a short lease and adverse credit, the shortlist is short — Together is usually on it.

Minimum loan is £100,000 and Together lends nationally across England and Wales. Scotland and Northern Ireland have limited availability — confirm with your broker before progressing.

You need a viable exit strategy that Together can underwrite. Sale of the security property and remortgage onto a term product are both accepted. Development exit bridges (where your exit is sale of completed units) are also available.

Together Bridging Loans vs Specialist Competitors

If your case is straightforward, don’t start with Together. Octopus Real Estate publishes a transparent rate card from 0.55%/month with no exit fees. Precise Mortgages offers fee-free AVMs and dual legal representation from 0.57%/month. Both are more price-transparent and often cheaper on standard cases.

MT Finance and Glenhawk are closer competitors when your case has adverse credit or non-standard property — both lend on asset quality rather than credit score, with published rate ranges. We reviewed them against Together: rate transparency is better, but maximum loan sizes are lower.

Together’s advantage is loan size (up to £25m) and the breadth of property types it will consider. We identified it as the strongest option for loans above £5 million on complex cases where underwriting depth matters more than rate transparency.

Use Together when a more transparent lender has already declined, or when the property or borrower profile makes it the most likely route to completion. It’s not the first-call lender on standard cases where better rates are available elsewhere.

How to Apply for a Together Bridging Loan

You can’t apply directly to Together for bridging. All applications go through FCA-authorised brokers on its approved panel. Your broker will submit: property address and type, proposed loan amount and LTV, your borrower profile (credit history, income, experience), exit strategy details, and any planning or lease complications.

Together issues a DIP typically within 24–48 hours. If your DIP is accepted, formal valuation and legal work begins. Completion on a clean case can follow within two weeks.

When your broker is still waiting for a DIP after three days, the most likely cause is missing information rather than a decline — Together will ask for more detail before refusing.

We found the process more responsive at DIP stage than Together’s specialist reputation sometimes suggests.

Complex cases — unusual property, adverse credit, or development exits — typically take three to six weeks from DIP to completion. The bottleneck is usually valuation and legal work, not Together’s underwriting speed.

Together Bridging FAQs