Northwest hub.

Q: Who will I speak to at Together?

For North West England, your dedicated Together contact is Ritchie Watson . Ritchie is an expert in the local market and specialist lending. From your first call, he'll be your main point of contact, working with our underwriting, legal and valuation teams to help deliver the right outcome for your plans. Already have a Together contact? Feel free to reach out to them directly. They'll be happy to help, even if your transaction is outside their region.

Wherever you're based, we're here to help, from the bustling cities of Manchester and Leeds to rural sites across Lancashire and Cumbria.

In the last year, we provided over £328.2 million in funding to businesses across the Northwest.

A wide shot of Manchester City Centre at dawn.

Meet your regional specialist

We’re here to help entrepreneurs, business owners, property investors and those with complex income profiles realise their property ambitions. Accessing finance should be simple, flexible and hassle-free, and most importantly work for your business.

A man with short brown hair smiling wearing a black blazer and white shirt.

Ritchie Watson

Corporate Sales Director
30 years in property and lending, Ritchie delivers swift decisions, trusted advice and flexible finance solutions.

07441 934 536
Ritchie.Watson@togethermoney.com

Click here to see other regions we serve

Products we can help with

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Commercial bridging loans

Residential bridging loans

Commercial Term

Buy to Let

Semi-commercial

Development finance

Criteria table

Product	Rates (from)	LTV	Loan size
Commercial bridging loans	0.94%	70%	£26k - £5m
Residential bridging loans	0.83%	75%	£26k - £5m
Commercial Term	9.34%	70%	£50k - £5m
Buy to let	6.64%	75%	£30k - £4.5m
Semi-commercial	8.59%	70%	£50K - £5m

Development finance product information available on request

Get in touch with your regional specialists

Take me there

Property stats in the Northwest

Over 1.5 million

unmortgageable homes

across the UK

One of the UK's strongest

retrofit opportunities

sits in the Northwest

~£300bn

equity trapped

in unmortgageable homes

Source: Searchland data, analysed by Together, August–September 2026.

Concept image of the new look Farington Hotel in Preston at night.

Commercial bridging loan supports Preston hotel regeneration

Click here to find out more

Common questions about North West corporate finance

Which areas does the North West corporate team cover?

The North West of England includes Greater Manchester, Liverpool, Preston, Blackpool, Cumbria, the Lake District and surrounding areas.

Not sure whether your project falls within the North West? If you're just over the border in North Wales or closer to Huddersfield than Manchester, we'll make sure you're connected with the right regional expert for your project.

Who will I speak to at Together?

For North West England, your dedicated Together contact is Ritchie Watson.

Ritchie is an expert in the local market and specialist lending. From your first call, he'll be your main point of contact, working with our underwriting, legal and valuation teams to help deliver the right outcome for your plans.

Already have a Together contact? Feel free to reach out to them directly. They'll be happy to help, even if your transaction is outside their region.

Can Together support deals outside the North West?

Yes. While Ritchie Watson specialises in the North West, Together has regional experts across Great Britain. If your project is located elsewhere, we'll connect you with the right specialist while ensuring a seamless experience throughout the process.

Why work with a regional lending specialist for your business finance?

Our regional specialists understand the local property market, including the opportunities and challenges that can affect a transaction. Combined with Together's flexible approach to specialist lending, this local knowledge helps us better understand your project and find the right way forward.

At Together, we believe in building relationships that last beyond a single transaction. Because our specialists are based in your region, they're available to meet in person, visit your site if needed, and support you as your plans evolve.