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Together

Realising ambitions by making finance work.

BridgingBuy-to-LetCommercial MortgagesFCA regulatedLends on Land

Max LTV

75% (higher on referral)

Interest from

0.85% pcm

Loan size

£26,000–£5m (bridging)

Term

1–12 months (bridging)

Charges

1st and 2nd

Areas

England, Wales and Scotland

Who they are

We’re Together: property finance experts with common sense. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to lending. Our large product suite of mortgages and secured loans gives us the flexibility to help in a wide range of specialist lending scenarios; including short-term finance, buy to let, commercial and semi-commercial mortgages. Based in Cheadle, Cheshire, our 900+ colleagues use their expertise and industry knowledge to help our customers throughout the UK, backed by the power of a £8.1 billion loan book.

Their ethos

At Together, we recognise potential, move at the right pace and make it happen. We power progress by providing people with access to inclusive finance. Our decisions are human and relationship-led, allowing us to move at pace while giving everyone a fair chance to realise their ambitions. We actively support the development of our people, empowering them to thrive through ongoing investment in training. We also play our part in the communities we serve, through financial support and volunteering, and we work to make greener choices the easier option by educating ourselves and others.

What they specialise in

We look beyond mainstream criteria and make fast, informed decisions for every case. We accept wide-ranging income sources; complicated purchases, non-standard property, imperfect credit or a combination of all four. Our experienced intermediary team and specialist distributors focus on securing the best outcomes for customers.

Meet the team

Tanya Elmaz

Managing Director, Intermediary Sales

tanya.elmaz@togethermoney.com

Nick Parker

Sales Director – Networks and Clubs

nick.parker@togethermoney.com

Michelle Walsh

Intermediary Sales Director – Commercial Finance

michelle.walsh@togethermoney.com

Maeve Ward

Intermediary Sales Director – Personal Finance

maeve.ward@togethermoney.com

Contact

Lake View, Lakeside, Cheadle, Cheshire, SK8 3GW

www.togethermoney.com/intermediaries

newbusiness@togethermoney.com

Lending criteria

Funding model
Diversified funding structure combining listed bonds, private and public securitisations, revolving credit facility and shareholder funds
FCA regulated
Yes
Fixed/variable interest
Fixed and variable
Treatment of interest & default interest
Retained or serviced
Sectors
Residential, office, industrial, retail, hospitality, PBSA, HMO, commercial units, social housing, leisure and healthcare
Max LTGDV
70% max; case-by-case
Max LTC
85% max; case-by-case
Min property value
No minimum property value, subject to minimum loan size
Valuation retypes
Considered
Rental calculations & exposure
Our rental calculation is ICR (interest cover ratio); we have no exposure rule but it is assessed at underwriting
Types of valuation accepted
AVMs, retypes, Red Book, 180-day and investment value on referral
New builds
Yes
Heavy refurb
No; light and medium refurbishment only
Grade listed buildings
Yes
Green/sustainable product
No
Planning permission needed
No
Commission rate
From 1.25% for fully packaged cases
Associations/charters
NACFB, FIBA, BDLA and NAPB
Types of landlords accepted
First-time buyer, first-time landlord, non-portfolio and portfolio, non-UK expats and foreign nationals
Upfront fees
No
Broker portal
Yes
Early redemption charges
Yes
Investment
Yes
Owner occupied
Yes
Electronic signatures accepted
No
Lending on land
Yes

Read more

All news

Lender information courtesy of The Lender Index by Bridging & Commercial.

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