Commercial bridging loans.
- For when an opportunity won't wait
- Flexible on income & credit status
- On a huge range of property types
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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 nearly 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.
1.05%Rates from 1.05%
12 monthsAvailable over standard 12 months
No exit feeNo exit fee options available
70%Borrow up to 70% of the property's value
✓Often arranged faster than a traditional mortgage
*The maximum loan, rate and loan-to-value ratio offered may vary based on your individual circumstances.
We funded James £2.85m in four hours
James was looking to expand his buy-to-let portfolio with a prestigious six-bedroom home in a UK holiday resort. However the deal hit choppy waters the day before the completion deadline when solicitors demanded additional information – potentially scuppering the purchase and leaving James with a £3million cost.
Fortunately Together were able to step in. James contacted Together at 11:15am and we were able to fund the £3million deal within four hours – an incredibly quick completion and a great result for James.
Figures and details from a real Together bridging loan customer. All personal information anonymised. While we aim to lend within the shortest possible timescales, speed of funding varies with every case.
James's bridging loan with us:
Time to fund
Leverage your business with a commercial bridging loan
We understand mortgages can take a while to arrange, so a Together bridging loan could be just the ticket if your vendor is looking to sell quickly. When you speak to our team, you speak to the decision makers who are empowered to give you a decision in principle almost immediately.
We'll work flexibly to help your purchase of a residential investment, new office, retail unit or other commercial property, as soon as possible. And you’ll have up to 12 months to repay the loan in a lump sum – leaving you ample time to get the longer-term finance you need, or sell the property on.
Common questions about commercial bridging loans
What is a commercial bridge loan?
A commercial bridge is a short term loan which can be used to buy commercial buildings or investment purchases. Typically, a bridging loan is taken out over a 12 months period. You’ll need an exit plan to pay the loan back in full at the end of the term, which can be funds from a recently sold property or arranging longer term finance.
How long does it take to get a commercial bridging loan?
Typically, it takes 3-4 weeks to get a commercial bridging loan. The type of valuation needed will affect the length of time it’ll take to complete the application process, but we aim to work as quickly as possible to get you the funds you need.
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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.