Together Unregulated Bridge: Seven product features every broker needs to know.

Unregulated bridging is often about speed, flexibility and solving a specific problem quickly. Whether your client is buying at auction, unlocking capital tied up in property, or smoothing cashflow while they wait for an exit, the right lender can make the difference between a deal completing or falling apart.

Together’s unregulated bridging loans are designed for real‑world scenarios. Here are seven product features every broker should have front of mind when placing a case.

1. We have second charge bridging solutions for both residential and commercial properties

Second charge bridging is not always straightforward, particularly where commercial property is involved. Many lenders restrict second charges to residential assets only or apply tight criteria that make cases difficult to progress in practice.

Together can consider second charge unregulated bridging on both residential and commercial properties. We take a practical view of the existing borrowing and the broader picture, which can allow clients to raise short-term funding without refinancing an existing facility or disturbing a well-priced first charge.

2. We can consider equitable charges

Legal structure can be one of the biggest obstacles on time-sensitive bridging cases. While some lenders will only proceed once a full legal charge is in place, that approach does not always fit with real-world deadlines.

Where appropriate, Together can consider lending via an equitable charge on residential properties. This allows cases to keep moving while longer-term legal formalities are resolved, particularly where urgency or complexity would otherwise put completion at risk.

3. We can lend up to 75% LTV on residential purchases

Headline LTVs are common in the bridging market, but in reality, they are often reduced once a case involves non-standard property, short leases, or more complex exit plans.

We can lend up to 75% LTV on residential bridging, and up to 70% on commercial bridging, with a 65% LTV maximum on remortgages. We’re also comfortable applying that across a range of scenarios, not just straightforward cases. This can give borrowers greater flexibility when acquiring property, refinancing existing assets, or structuring deals where capital needs to work harder.

4. We can lend on Below Market Value properties and non-standard properties

Your client sees potential, but the lender doesn't

Opportunities can often be time sensitive and not always found in properties that fit standard lending criteria. Below Market Value purchases, heavy refurbishment projects, tenant issues or unusual construction can all make traditional funding difficult, particularly where speed or flexibility is required.

This is where unregulated bridging can play a key role. We can lend on a wide range of Below Market Value and non standard properties, using short term finance to help clients secure an opportunity, carry out works, or stabilise an asset before moving on to a longer term solution.

By focusing on the property’s potential and the planned exit, rather than rigid criteria, we can support deals that might otherwise stall.

5. We can consider cross charging

At Together, we know that adding an extra property as a security can often be the best way to lower LTVs and pass affordability assessments. We also know that an investor’s portfolio may be varied, potentially including residential and commercial assets, so we don’t require additional securities to be of the same property type as the primary security.

For example, when the LTV on an auction bridging case for a large three-unit retail property in Newport, Isle of Man, was too high, we allowed the client to add an unencumbered block of tenanted flats in London as extra security.

Check out the full case study to find out how we did it.

6. We can consider automated valuations of confidence level 2

With auction purchases, waiting for a physical valuation is not always an option. This is where an automated valuation model (AVM) can help keep things moving. AVMs use a wide range of available data to calculate an expected property value quickly and efficiently.

Each AVM comes with a confidence score that expresses how accurate the computer-generated estimate could be. The higher the score, the greater the confidence in the valuation. Unique property features, a lack of available recent sales data or limited public records are some of the factors that can lead to a lower confidence level.

At Together, we can consider automated valuations with a confidence level of two (2) for auction purchase cases, using Hometrack. This means a lower confidence score does not have to stand in the way of your client completing on time.

7. We can use internal legals

When speed is of the essence, communication delays, such as emails and documents being sent between legal departments, brokers, lenders and clients, can severely slow the process. With deadlines looming, it’s often a cause of frustration.

That’s why we look to streamline our processes, including allowing the client to use the same legal team as us. It cuts out the back and forth, signatures can be done in seconds and often means that we can provide funds within incredibly tight turnarounds.

At Together, our unregulated bridging loans are designed to provide your clients with the flexible short term finance they need to keep their business moving forward.

Whether you’re supporting a first-time landlord or an established company with a complex structure, our experienced team are on hand to help you get the right outcome.