Repair a broken property chain

Looking to secure your new home while your sale is delayed?
Check my eligibility

  • t-doc-tick-white Rates from 0.64%/month*.
  • Borrow up to £500,000*.
  • Up to 12 months, with no Early Repayment Charges.
  • Asset 4 No monthly payments
  • Borrow up to 70%* of your home’s market value.
* The actual rate and loan-to-value offered may vary based on your individual circumstances. Fees will apply.
  4.7/5 average rating by independent customers

We understand every situation is unique

Here's the story of Bethany and Ben, two new customers we helped recently.

Bethany and her husband Ben left their office jobs in 2018 to set up a company of their own, which is now thriving. Last year they decided to sell their home and purchase a new build in their home town.

However, with the buyers of their existing property stuck in a chain, Bethany and Ben risked losing out on their dream home. Despite their perfect credit histories, their bank wouldn’t help as both Bethany and Ben are self-employed.

So Bethany and Ben came to Together, and we gave them a short-term bridging loan that effectively turned them into cash buyers to secure their new home. And when their own sale went through a few months later, they used the proceeds to pay off their bridging loan in full. Ready to see how we could help you?

Check my eligibility

How we helped Bethany and Ben
Reason for decline by high street bank Both applicants self-employed
Amount sought £105,000
Desired term 12 months
Rate 0.85% per month
Time from application to funding 8 days

Figures based on an actual Together mortgage customer. All personal details anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.

Check your eligibility & enquire

At Together, our flexible approach means that we can often lend where others can't. If you fit our criteria, we'll do everything we can to make it happen.

To be eligible to borrow from Together, you need to be:

  • Based in the UK
  • Aged between 18 and 85
  • Be looking to borrow no more than 70% of the purchase price of the property you plan to buy

Approval is based on a credit check and an assessment of your individual circumstances.

Ready to talk?

Enquire today for a callback from a member of our friendly, expert team.

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Can I get a bridging loan if I'm retired? 

Yes – we’ve no maximum age on our Bridging loans, and we’ll consider a wide range of income (including your pension) when it comes to assessing affordability.

So if you’ve found the perfect retirement property, you don’t need to wait around for your current one to sell, and you’ll have plenty of time to organise your move and make the transition gradually.

How long does a bridging loan take to arrange? 

We’ve got decades of experience in getting bridging cases over the line quickly – Once you've given us all the information we need, we could have your loan in place in a matter of days. This means a bridging loan could get you the cash you need while waiting for longer-term borrowing to be arranged.

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).

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

We can lend you up to 75% of your property's value, so you’ll need at least 25% as a deposit. The maximum loan-to-value ratio we can offer may be reduced based on the nature of the property, what you’ll be using the bridging loan for, and your personal circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.