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Intermediary site
Intermediary site

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 0.65%/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.
  4.2/5 average rating by independent customer

Why choose Together?

No Early Repayment Fees

We don't think it's fair to punish you for repaying early - so the sooner you repay your bridging loan, the less it’ll cost you.

Vast Experience

With over 45 years of lending experience under our belts, you can trust us to get things right for you.

Common Sense Decisions

You're more than a credit score. If the sums show that you can afford the property, we do our best to make it happen.

Check my eligibility


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.

Overall cost for comparison

For example: A bridging loan of £251,871 repayable after 12 months on a fixed rate of 10.20% would require a single payment of the capital borrowed plus the accrued interest totalling £284,483.53 including fees.

TThe total amount payable would be £284,483.53 made up of the loan amount (£251,871), plus interest on the loan (£26,926.58); arrangement fee (£5,037.42); interest on these fees (£538.53); and the redemption administration fee (£110.00).

The overall cost for comparison is 12.9% APRC representative.

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


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
  • Looking to borrow no more than £500,000 and no more than 75% of the purchase price of the property you plan to buy
  • Not on furlough or a secured deferred payment plan
  • Not at risk of redundancy

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 7113 between 9am and 5:30pm, Monday to Friday.


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

Refurbishment bridging loan

The loan for one project that funds another.

Find out more

About Together

You might not have heard of us before, but we've been lending for over 40 years.

Find out more

Repair a broken property chain

Looking to secure your new home while your sale is delayed?

Find out more

Reviews (6)

Customer Rating 4.2

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