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Get your new home into move in condition

New home refurbishment bridging loans.

  • No exit or lender legal fees
  • Second Charge Bridge available
  • Multiple exit strategies accepted
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Bridging Lender of the year


Winner 2021 & 2023

• Over 1,200 reviews

• Over 1,900 reviews

Bridging Lender of the year


Winner 2021 & 2023

• Over 1,200 reviews

• Over 1,900 reviews

Bridging Lender of the year


Winner 2021 & 2023

• Over 1,200 reviews

• Over 1,900 reviews

Ready to find out more?
Speak to an expert

Why choose Together?

Mortgage key facts
  • 0.90%

    Rates from 0.90% per month
  • 70%

    Borrow up to 70% of the property's value
  • 12 months

    Available over standard 12 months
  • No monthly payments

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

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Whatever your property goals, we can help get you moving.

Pristine can often mean pricey, so it's no wonder more people are looking to buy pre-loved properties in need of a face lift. With a little hard work and renovation, the 'worst house on the street' can be polished up into a hidden gem, perfect for you and your family to start your next chapter.

If your new home is a bit of a fixer upper, a bridging loan from Together could help you finance the renovations, getting your home into move in condition quicker. Here's why:

Fast turnaround. We'll work quickly and flexibly, so you can secure your new property, get the keys and get from concept to completion quicker.

No monthly payments. You'll just pay back what you borrowed, plus any interest, in a lump sum within 12 months as soon as your old home sells or longer term finance is sorted. And, because there are no Early Repayment Charges, the sooner you can repay in full, the less it’ll cost you.

Flexible and pragmatic. We apply a common-sense approach to lending, and can often consider circumstances that some other lenders can't. Tricky incomes, less-than-perfect credit and non-standard properties will all be considered.

 
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Overall cost for comparison

For example: A mortgage of £155,000 payable over 12 months, on a fixed rate of 1% would require 11 instalments of £0.00 followed by 1 instalment of £179,353.33. 

The total amount payable would be £179,355.33 made up of the loan amount (£155,000) plus interest on the loan (£19,685.73), arrangement fee (£3,100) plus interest on this fee (£372), the broker fee (£980) plus interest on this fee (£117.60)  and the redemption administration fee (£100.00).

The overall cost for comparison is 15.7% APRC representative.

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

Common questions about Bridging Loans

What is a bridging loan?

A bridging loan is a short-term loan, which covers the gap between paying out for a new home before receiving the proceeds of the sale of another, they usually lasts up to 12 months.

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 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.

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).

Why might you choose a bridging loan?

A bridging loan is short-term, so you may choose one if you only need money temporarily – perhaps to sort out a cash flow problem, to bridge the gap between buying a property and securing a mortgage, or because you're intending to turn around a project quickly.

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.

Can I get a bridging loan on land?

Yes – we can lend on land for a range of purposes. And if you’ve got planning permission in place, we have development finance options available which can last up to 24 months.

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

Yes – we have a maximum age of 85 years at the end of the term.

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.

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.

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