New home not in move-in condition?

Use a bridging loan to get the keys and renovate before selling up
Check my eligibility

  • Rates from 0.59%/month*.
  • Borrow up to £500,000*.
  • Up to 12 months, with no Early Repayment Charges.
  • t-doc-tick-white-02 No monthly payments.
  • Borrow up to 75%* of your home’s market value.
The maximum loan, rate and loan-to-value ratio offered may vary based on your individual circumstances.
  5/5 average rating by independent customers

Nobody wants to live in a building site

If you've found your perfect new home but it needs doing up, a Together bridging loan could be the answer. Here's why:

  • Fast turnaround. We'll work quickly and flexibly, so you can secure your new property and get the keys. If you've found your perfect new home and it needs some refurbishing to make it feel like home, a Together bridging loan could be the answer. Here's why:.
  • 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. And because there are no Early Repayment Charges, the sooner that happens 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. So if you have less-than-perfect credit, or there's something about your new property that means other lenders are struggling – say, it's made of non-standard construction – let's talk.

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 75% 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.

Enquire now

Or call us directly on 0161 933 7059 between 9am and 5:30pm, Monday to Friday.

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

If you’ve got less-than-perfect credit history or rating, 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.

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.

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.