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From opportunity to investment

Capital raising bridging loans.

Whether you're looking to manage cash flow or capitalise on an opportunity, our bridging loans are the ideal solution for getting that short, sharp cash injection you need to go from opportunity to investment - fast.
Call and get a quote in 10 mins
0330 162 7111

We're open 09:00 to 20:00 Mon-Thu, 09:00 to 17:30 Fri

or
Book a call back
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Lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.

Why choose a Together bridging loan?

  • 24 hour completions

    When time is of the essence, we can help you access the funding you need in as little as 24 hours.

  • Employment status

    We can accept applications in sole names or limited company names.

  • Property types

    You can secure your loan against a wide range of personal and commercial properties, including buy to let and business premises.

  • Additional security

    We can sometimes provide 100% of funding if you’ve got an additional property we can secure the loan against.

  • 0.83%

    Rates from 0.83%

  • 75%

    Borrow up to 75% of the property's value

  • £26k - £5m

    Loans from £26k - £5m

* The actual rate and loan-to-value offered may vary based on your individual circumstances. Fees will apply. Although we endeavour to lend within the shortest possible timescales, this is not always achievable in 100% of cases.

Want to understand the potential cost of your mortgage or loan?
See what you could borrow

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Additional product information

We’re Together. For over 50 years, we’ve helped thousands of people, business and professionals unlock their property ambitions with our common-sense approach to lending.

  • Multiple exit strategies

    We accept exit strategies including selling or refinancing the property, or using an inheritance or draw down.

  • Projected income

    We can accept income projections, even from new companies with no prior trading history.

  • Non UK residents

    We accept applications from non UK residents and expatriates.

  • Income sources

    We can accept a variety of income sources, including benefit and pension income.

How Together has helped others like you

Who we are

Whether you need funds for a personal purchase, investment, business growth or home improvements, our flexible short-term finance options can help you move quickly without long-term commitments.

Access funds quickly

Bridging finance allows you to act as a cash buyer. So, if the vendor needs to make a quick sale, you can capitalise on the opportunity to buy at speed.

Improve and repair

Whether you’re looking to sell or rent out, a bridging loan can give you the cash to refurbish the property, or add conversions, extensions or other improvements.

24 hour completions

When time is of the essence, we can help you access the funding you need in as little as 24 hours.
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How does a bridging loan work?

What’s the process?

  1. Get in touch with our team to get a quote and start your application.

  2. After receiving your application, we’ll ask you for some information to assess your affordability.

  3. If everything checks out, we’ll approve your loan.

  4. Our team will then send you our offer so you can confirm that you’re satisfied before we send the funds to you.

Looking for more information?

Explore our bridging loans guide

Common questions about capital raise bridging loans

How long does it take to get a capital raise bridging loan?

We understand that sometimes you can’t afford to wait in business, so with bridging loans, we aim to work fast.

On average, getting a capital raise bridging loan can take just 3-4 weeks to complete but this can depend on a number of factors so it may take longer.

What can I use a capital raising bridging loan for?

A capital raising bridging loan is a short-term, secured loan that lets you quickly release equity from a property or asset.

It’s often used to fund time-sensitive opportunities or cover immediate costs, for example:
  • Expanding your portfolio by releasing equity from an existing property
  • Buying at auction, where you need to complete quickly
  • Funding renovations, including larger projects like converting a property into an HMO
  • Raising funds for your business, such as covering expenses or taking advantage of an urgent opportunity
  • Paying unexpected bills, including tax or VAT

Can I raise capital against a property that already has a mortgage on it?

Yes, it’s often possible to raise capital against a property that already has a mortgage. There are two main ways to do this:
  • Remortgaging – This involves switching to a new lender, who pays off your existing mortgage and provides any additional funds you want to release. Just be aware that your current lender may charge an early repayment charge (ERC).

  • Taking out a second charge loan – This is a separate loan alongside your existing mortgage. It allows you to raise funds without changing your current deal, although it will usually be repaid after your main mortgage.
If you’re not sure which option is right for you, our team can talk through your circumstances and help you find the best approach.

What's the maximum LTV when raising capital against a property I already own?

We typically offer up to 75% loan-to-value (LTV) when raising capital against a property you already own. If you have additional property we can use as security, it may be possible to fund up to 100%.

The exact LTV will depend on your individual circumstances, as well as the type of project you’re planning, including whether it’s a lighter or more extensive refurbishment.

Can I raise capital from a buy to let or commercial property?

Yes, it’s often possible to raise capital from an existing buy to let or commercial property. There are a few ways you can do this:
  • Remortgaging – if your property has increased in value or you’ve built up equity, you can switch to a new lender and borrow against that amount

  • Second charge loan – this lets you borrow against your property’s equity without changing your existing mortgage or triggering early repayment fees

  • Commercial finance – another way to raise funds while keeping your current loan in place, with a second lender providing the additional borrowing
If you’re unsure which option is right for you, our team can talk you through the choices and help you find the best fit.

What's a typical exit strategy for a capital raising bridge?

Because bridging loans are short term, having a clear plan to repay the loan is an important part of the process.

Common exit strategies include:
  • Refinancing – moving onto a longer-term mortgage, such as a buy-to-let or commercial loan

  • Selling a property – repaying the loan using the proceeds from a sale

  • Using other funds – such as inheritance, a pension lump sum, or business income
If you already have an idea of how you’d like to exit, we can help you shape it into a clear plan and work with you to support your application.

How does a capital raising bridge differ from a second charge mortgage?

The main difference is how they’re used and how long they’re designed for.
  • A capital raising bridging loan is a short-term option, typically used to release funds quickly for time-sensitive opportunities

  • A second charge mortgage is a longer-term loan, often used for things like debt consolidation or business investment
If you’re unsure which option is right for you, we can help you understand the differences and find the best fit for your plans.

Calculate how much I can borrow

Do you want to understand the potential cost of your mortgage or loan?

We can give you an idea of the monthly costs with just a few details like the property value, your deposit amount and how long you need the loan to last.

Find out here
A two times Business Moneyfacts award from 2023 to 2024 for the best bridging finance provider.

Bridging finance you can trust

When it comes to getting a bridging loan, it’s all about speed, service and simplicity.

At Together, our dedicated team will make sure you get access to the funds you need quickly and easily – in as little as 24 hours.

But, don’t just take our word for it! Our bridging products have been recognised by customers and industry professionals alike, making us a multi-award winning bridging finance provider you can rely on.

See our awards

Whatever you need, we have a mortgage for you

Commercial bridging loan

Fast short-term funding for a wide range of business opportunities.

Refurbishment bridging loan

Turn improvement plans into investment opportunities.

Secured homeowner loans

Access the equity in your home to power your business ambitions.
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Let’s make your ambitions a reality.

Ready to talk?

Book a call back
Alternatively, call us on 0330 162 7111.
Exit Process

We just need a few quick details…

We just need a few quick details so our team can contact you to discuss your possible borrowing amount.


All fields in this form are mandatory.


Application details

You need a minimum deposit of 25%.


Personal details

Please note, any possible borrowing amount provided is not a formal quotation or commitment to lend until a full assessment is carried out.

By submitting this form, you confirm that you have read and agree to our privacy policy.

Exit Process

Call and get a quote in 10 mins

0330 162 7111

We are here between:

Monday - Thursday: 09:00 to 20:00


Friday: 09:00 to 17:30

Or book a call back

Select a time that suits you to see how we can help


By using the appointment booking system, you confirm you have read and understood our Fair Processing Notice.


All mortgages are subject to our terms and conditions.

Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.