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Together loans compared

One of the UK's longest-established specialist lenders — strong on second-charge mortgages, bridging and cases the high street won't consider.

About Together

Together has been lending to UK borrowers since 1974, making it one of the longest-established names in the UK's specialist mortgage and loans market. Headquartered in Cheadle, Greater Manchester, the group lends across personal and commercial markets.

Where high-street banks operate to tight, automated criteria, Together specialises in cases that need manual underwriting — adverse credit, self-employed income, complex property, short timelines and unusual structures.

What Together specialises in

Second-charge mortgages

Secured loans behind your existing mortgage, up to £500,000+, prime to adverse credit.

Regulated & unregulated bridging

Short-term finance for auctions, chain breaks, refurbishment and capital raising.

Refurbishment loans

Funding for properties that aren't currently mortgageable — light to heavy refurb.

Specialist mortgages

First-charge mortgages for applicants who don't fit standard high-street criteria.

When Together is a good match

  • You have adverse credit (CCJs, defaults, historic IVA) and need a lender that underwrites manually
  • You're self-employed with non-standard income evidence
  • You need a second-charge loan behind a low fixed-rate mortgage you don't want to disturb
  • You need bridging finance for an auction or chain break
  • You're buying a property that needs work and isn't mortgageable on the high street

Frequently asked questions

Who is Together?
Together (also known as Together Money or Together Financial Services) is a UK specialist lender founded in 1974. They focus on secured loans, second-charge mortgages, bridging finance and refurbishment loans — particularly for cases that don't fit mainstream criteria.
What types of loan does Together offer?
Together's product range includes second-charge secured loans, regulated and unregulated bridging, refurbishment finance, buy-to-let mortgages, commercial mortgages and homeowner business loans. They also offer first-charge specialist mortgages.
Will Together lend to applicants with bad credit?
Yes, often. Together is one of the more flexible UK specialist lenders for applicants with CCJs, defaults, missed mortgage payments and historic IVAs. Each case is underwritten on its own merits — security, exit strategy and affordability.
What's Together's typical loan size?
Together's secured loan range typically runs from £10,000 up to £500,000+, with bridging facilities going considerably higher for the right deal. LTVs go up to around 75–80% for secured loans, lower for bridging.
Is Together regulated?
Together's regulated lending activities (residential second charges and regulated bridging) are FCA authorised. Their unregulated commercial and investment lending falls outside FCA conduct rules but follows industry standards.
How do I apply for a Together loan through CleverCompare?
Start with our soft-search eligibility check. We'll match you to suitable lenders — Together is one of several specialists on our panel. If they're a good fit for your circumstances, we'll introduce you and walk through next steps.
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Important: This page is for information only and does not constitute financial advice or an endorsement. Together is one of several specialist lenders on our panel — we match each enquiry to the most suitable lender for the case. Secured borrowing puts your home at risk if you don't keep up repayments. CleverCompare is an introducer appointed representative of Charles Frank Finance Limited, which is authorised and regulated by the Financial Conduct Authority.