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Short-term finance, provided at short notice.

 
  4.4/5 average rating by independent customer feedback

Why would you choose a bridging loan?

Bridging loans are short-term, usually lasting just 12 months. So you may choose one if you only need money temporarily – perhaps to sort out a cashflow problem, or because you're intending to turn around a project quickly.

And bridging loans can often be arranged more quickly than a typical loan or mortgage – so a bridging loan can give you the cash you need while waiting for longer-term borrowing to be arranged.

How do Together bridging loans work?

A Together bridging loan lasts for an agreed term – typically 12 months. We provide the loan you need, and you pay it back before or when the term ends.

You'll be charged interest each month. Depending on what type of bridging loan you have, you can choose to repay on an interest-only basis or roll up payments and add these to the lump sum. So if you repay the lump sum before the term ends, you may be charged less interest in total.

Any fees associated with the loan can be added to the lump sum as well.

How do you decide my interest rate?

The rate you're offered may be influenced by several factors, including:

  • What you're using the Bridging loan for.
  • The type and value of the property you're using to secure the loan.
  • How much you need to borrow (both in total, and as a percentage of your property's value).
  • Whether you have any other loans secured against the property, that won't be repaid by this loan.
  • Your credit history (but not your credit score).

Any property used as security, including your home, may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Together offer a range of regulated products and unregulated products. Together Personal Finance Limited are authorised and regulated by the Financial Conduct Authority (FCA) and offer products including but not limited to, first charge residential mortgages, second charge secured loans, Consumer Buy-to-Let mortgages and regulated bridging loans.

Our unregulated products are provided by Together Commercial Finance Limited and include but are not limited to unregulated bridging loans, Buy-to-let, Auction Finance and Development finance products.

Build: 1.3.7.16634