From hope to home

Bridging loans for chain breaks.

With a bridging loan from Together, you can purchase your new home and move in. You don't need to wait for your current property to sell or put your future plans on hold.
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Your home may be repossessed if you do not keep up repayments on your mortgage.

Why choose a Together bridging loan?

  • 0.72%

    Rates from 0.72%
  • 70%

    Borrow up to 70% of the property's value
  • £50k - £3m

    Loans from £50k - £3m

*Subject to application, status and lending criteria. You may be offered a higher rate.

Overall cost for comparison

For example: A mortgage of £177,000 payable over 12 months, on a fixed rate of 1% would require 11 instalments of £0.00 followed by 1 instalment of £203,503.43 plus a redemption administration fee of £100.

The total amount payable would be £203,503.43 made up of the loan amount (£177,000) plus fees (arrangement fees (£3,400), broker fees (£1046) and a redemption administration fee (£100) plus interest (£21,817.43).

The overall cost for comparison is 15.0% APRC representative.

The actual rate available will depend upon your circumstances. Ask us for a personalised illustration.

*The maximum loan, rate and loan-to-value ratio offered may vary based on your individual circumstances.

How much can I borrow?
Find out here

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Additional product information

When making a considered decision about finance, you’re going to want to know the details. Here’s additional information on our bridging finance products that you should know:
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How does a bridging loan work?

What’s the process?

  1. After you apply, we’ll conduct a credit search to check we can help.

  2. We’ll then ask you for information to assess your affordability.

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

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

  5. After funding, we’ll keep in touch to see if you’re on track. If you’re not, or your circumstances have changed, our team are on hand to help.

  6. At the end of the 12 months, you’ll pay your loan back in full. If you can’t, we can review your eligibility and open a new application.

Looking for more information?


Common questions about Chain break bridging loans

How long does a bridging loan take to arrange?

We’ve got decades of experience in getting bridging cases over the line quickly – and much faster than a typical fixed-term loan or mortgage. This means a bridging loan could get you the cash you need while waiting for longer-term borrowing to be arranged.

How much can I borrow, and how much deposit will I need?

We can lend up to 70% of your property’s value. However, please note that the maximum loan-to-value ratio we can offer might be adjusted depending on the nature of the property.

Can I get a bridging loan if I’m self-employed?

Whether you’re a sole trader, freelancer or side-hustler, we can accept self-employed applicants with just 12 months trading history, and you’ll get the same rates as someone with a regular income.

We’ll look at your last three months’ earnings, so even if you took advantage of the Self-Employed Income Support Scheme in 2020, you’ll still be treated as normal.

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).

Can I apply for a bridging loan if I have poor credit?

If you’ve got less-than-perfect credit, such as a small blip that’s caused a big impact on your credit score – we’ll use our common sense when reviewing your application, and look at your credit history instead.

We can also ignore adverse credit that’s over 12 months old when it comes to deciding your interest rate.

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
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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.



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We can help where other's can't.

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Alternatively, call us on 0161 933 7059.
Lending decisions are based on a credit check and an assessment of your individual circumstances. 

All mortgages are subject to our terms and conditions.
 
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0161 933 7059

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