Capital raising bridging loans.
- Manage cashflow or nab an opportunity
- Flexible on income & credit status
- Fast, simple application process
Why choose Together?
FlexibleYou're more than a credit score. If the sums show that you can afford the property, we do our best to make it happen.
TrustedWith almost 50 years of lending experience under our belts, you can trust us to get things right for you.
Open-mindedUnlike many, we lend on properties like ex-council properties, high-rise flats and those made of non-standard materials.
SmartReceive updates on your application, upload files & e-sign most documents to open your Together account - all using our secure app.
0.95%Rates from 0.95% / month*
Short termUp to 12 months
'No exit fee''No exit fee' options available.
70%Borrow up to 70% of the property's value.
✓Often arranged faster than a traditional mortgage
* 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.
Cashflow crisis? Need to expand capacity?
We know there's no time to waste in business. So, we’ll work flexibly and make a quick, common sense decision – all aimed at giving you peace of mind, so you can concentrate on your next move.
You can use a Together bridging loan for a variety of scenarios. Perhaps you want to:
- Extend or refurbish a property
- Pay an unexpected tax bill
- Buy raw materials to fulfil a large order
- Take advantage of a business opportunity
Whatever it is, you’ll have up to 12 months to repay the initial loan in a lump sum. And we can secure your loan against:
- Residential investment properties
- Commercial and mixed-use properties
- Land (with or without planning permission)
Common questions about bridging loans
Am I eligible?
We believe that if the sums show you can afford it, you should be able to have it. And this philosophy means we can lend in a wide range of circumstances that other lenders struggle with.
So whatever it is that’s worrying you – whether you’re self-employed with just a year’s trading, some less-than-perfect credit history, or something else – rest assured we’ll look for a way to say ‘yes’.
How quickly could I borrow?
We know that time is often of the essence. That's why we pride ourselves on the way we empower our team to make decisions and give you the fastest possible answer when you need it the most.
As you'll see from our case studies that we're no strangers to turning things around quickly when it counts.
What types of property could I purchase?
We’ll consider a commercial bridging loan financing for the purchase of a huge range of properties, including:
• Residential investments.
• Semi-commercial properties. • Retail units, restaurants and takeaways.
• Offices. • Warehouses, factories, and other industrial units.
• Working farms, and land. • Hotels.
• Pubs, nightclubs, and other leisure premises.
Overall cost for comparison
For example: A bridging loan of £234,600 repayable after 12 months on a fixed rate of 9.00% would require a single payment of the capital borrowed plus the accrued interest totalling £261,849.24 including fees.
The total amount payable would be £261,849.24 made up of the loan amount (£234,600), plus interest on the loan (£22,215.37); arrangement fee (£4,692.00); interest on these fees (£231.87); and the redemption administration fee (£110.00).
The overall cost for comparison is 11.6% APRC representative.
The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.
Ready to talk?Enquire today
Your home may be repossessed if you do not keep up repayments on your mortgage.
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) Personal mortgages, 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 mortgages, Auction finance and Development finance.