Together has a distinct role on the panel: the lender for the file that has been declined elsewhere, whether that is because of complex or older adverse credit, self-employed income, or a property type a mainstream bridging lender will not consider. It is not the fastest or the cheapest option on the panel, and it is not trying to be.
Together at a glance
| Together | |
|---|---|
| Loan size | From around £25,000 to £1 million or more through its Premier range by referral |
| Security | First or second charge |
| Coverage | England, Wales and Scotland |
| Maximum LTV | 75% on unregulated first-charge residential; most other products 70% |
| Term | 12 to 24 months depending on product |
| Credit | Assesses credit history rather than a score; adverse older than 12 months disregarded when pricing |
| Borrowers | Individuals, limited companies, self-employed with at least 12 months' trading history; up to four applicants on first charge |
| Standout | Non-standard and unusual property other lenders decline |
What this means in practice
Together assesses credit history rather than a credit score, and disregards adverse older than 12 months when pricing. That is a meaningfully different approach from lenders that decline or heavily reprice on any historic default regardless of its age. Satisfied IVAs are accepted on regulated second charge, and active IVAs are considered by referral where there is a three-year payment history and the loan clears the IVA in full.
How it works
Loan sizes start from around £25,000, so confirm the exact current minimum with your broker, and run up to £1 million or more through the Premier range by referral. Security is by first or second charge across England, Wales and Scotland. Unregulated first-charge residential bridging reaches 75% LTV, most other products cap at 70%, and terms run from 12 to 24 months depending on the product.
Together lends to individuals, limited companies and self-employed borrowers with at least 12 months' trading history, with up to four applicants on first charge. That short trading requirement matters for newer businesses whose owners would struggle to meet a longer history elsewhere.
How a case with Together typically runs
Because Together looks at the story behind a credit file rather than a score, the early work is explaining it: what happened, when, and whether it has been settled. The same is true of unusual security, where the underwriter needs to understand the property before pricing it. That takes longer than a standard case at any lender, and Together is chosen for its willingness to do that work rather than for speed.
Where an active IVA is involved, the case is structured so the loan clears it in full, which means the redemption figure and payment history need to be available from the start.
How Together compares with other lenders on the panel
For adverse credit with time pressure, MT Finance is faster and does not credit-score at all; the MT Finance vs Together comparison covers that choice. West One Loans is the other lender used when paperwork is the problem, and the West One Loans vs Together comparison sets out where each fits.
For clean, standard cases, lenders such as LendInvest or Octopus Real Estate will usually be quicker and cheaper. Our guide to bridging loans with bad credit explains how lenders generally approach adverse.
Who it suits
Together suits the case that has already been turned down elsewhere: complex or older adverse credit, an unusual or non-standard property, self-employed borrowers, and high-net-worth cases above £1 million via its Premier range. It is genuinely known in the market for taking on non-standard security other lenders will not touch.
Where it is not the strongest fit
Together is not the fastest lender on the panel, and rates load for recent adverse credit. A clean, standard case with a tight completion deadline will usually be better and more cheaply served elsewhere. It is a fallback for complexity, not a first choice for speed or price.
Why the exit still matters
A lender that is flexible on credit still needs to know how it will be repaid. For a sale, that means realistic evidence of what the property will sell for and how long it may take. For a refinance, it means showing that the borrower and the property will meet a term lender's criteria once the bridge has done its job, which is worth checking early where the credit history is complex. A well-evidenced exit is often what turns a borderline case into an approval.
Questions worth asking before you apply
- How old is the adverse on your file? Anything older than 12 months is disregarded when Together prices the case.
- Is there an active IVA, and can you show three years of payments?
- Is there a deadline that Together's timeline may not meet?
- Does the loan need first or second charge, and how many applicants will there be?
- Would a lender on standard criteria price a clean version of this case more cheaply?
Summary
Together earns its place on the panel specifically for cases other lenders will not take: unusual property, complex or older credit history, or self-employed income, rather than for speed or headline rate. Figures above are correct as of 2026 and should be confirmed with your broker before an application.
