Immediate house sales finance.
- Up to 12 months loan with monthly interest
- Completions in as little as 24 hours
- Borrow up to 85% of the property purchase price
- Automated valuations where possible
Lending decisions are based on lending criteria and, where applicable, subject to credit check and an assessment of individual circumstances.
For businesses buying houses at speed
Lending on a wide range of scenarios
Cash house buying
Designed for companies that specialise in cash house buying, using our finance can offer your customers an immediate sale of their property.
House flipping
If you’re buying a below-market-value residential property to refurbish and sell on fast, our funding keeps your project on track.
Portfolio purchases
Don’t miss an opportunity to add to your portfolio with quick finance for your below-market-value investment properties.
Completions in as little as
24 hours
Loans ranging from
£26k - £5m
Property purchase price up to
85%
How do below-market-value bridging loans work at Together?
- Find your property – we accept a wide range of residential properties, from standard construction, to HMOs and even properties with defective titles.
- Inform us of the property details – have your documents on hand, including the property price, address, estimated valuation, and completion deadline.
- Offer letter sent – once your details have been approved, we’ll make a quick decision and send you an offer letter.
- Solicitor instructed – we’ll instruct your solicitor to conduct due diligence and provide a report on the title.
- Case funded – once we've recieved your required legal documents, our underwriting team will process the application and arrange funding to meet your completion deadline, typically in as little as five days.
Meet our Immediate House Sales team
Our experienced team are on hand to support your property ambitions with quick finance solutions.
Elliot Vure
Sales DirectorElliot brings over 15-years’ experience in the residential property and finance sector, now leading the Immediate House Sales team and working exclusively with professional property buyers.
April Boyes
Business Development ManagerApril has 12 years’ experience in the residential property sector working with new build developers along with sourcing UK property as an independent investment agent for both domestic and international clients.
Maddy Wooding
Relationship ExecutiveMaddy brings experience of working with a range of clients across our corporate space and is committed to delivering the best outcomes for customers.
Luke Hill
Relationship GraduateLuke joined Together in 2025 and is committed to providing excellent service where timescales are often tight. He’s passionate about ensuring clients’ needs are met efficiently.
Our partnership with the NAPB
We believe in being fair and transparent with our customers. We're working in partnership with the National Association of Property Buyers (NAPB), a not-for-profit organisation who drive up industry standards. The NAPB requires all members to sign up to The Property Ombudsman Code of Practice (COP). This ensures that member companies follow the highest possible standards and, in the unlikely event of anything going wrong, will financially compensate via the Ombudsman’s redress scheme.
As a member of the NAPB, companies must deliver a fair and transparent service, with impartial advice to help sellers decide whether the process is right for them. Membership is only open to professional quick house sales companies so sellers can be assured of who they are selling to.
If you’d like to become a member of The NAPB and to find out more, visit their website.
Immediate house sales in action
We’re proud to find solutions for our customers to make their property ambitions a reality. Take a look at how we’ve delivered.
We Buy Any Home
Elliot Castle, Founder & CEO, We Buy Any Home
Common questions about below-market-value financing
Can you work to my deadline to provide below-market finance?
Absolutely! Our average completion time is just 26 days. We’ll work quickly to provide the loan you need to meet your completion deadline, and any fees can be rolled into what you’ve borrowed.
On qualifying properties, we also use automated valuation technology to let your purchase proceed, depending on LTV, without the need for a site visit or additional cost – saving both time and money.
If it’s a straightforward purchase for under £500,000, we’re happy to share the same legal team too. To keep things fast and simple, of course.
How does below-market-value finance work at Together?
Our Immediate House Sales team can offer below-market finance as a short-term bridging loan lasting up to 12 months. Interest is charged monthly so the sooner you it back, the less it’ll cost you.
You’ll need to repay the loan in a lump sum, but until you do, you’ll only make the interest payments each month.
How much could I borrow?
Depending on the property value, we could lend you up to 85% of the property’s purchase price, with the loan representing no more than 75% of the total value of the property. The exact amount you can borrow depends on your situation and value of the property (or properties) you’re using to secure the loan, so please contact us to discuss your individual situation.
Can I buy a house below-market-value?
Yes you can secure a mortgage on a below-market-value property with a specialist lender like Together.
We consider the current open market value of your investment property, not just the below-market-value purchase price when assessing your application and loan to value percentage.
What do I need to get finance for a below-market-value property?
To help us assess your affordability quickly for below-market-value property funding we’ll need to know the property details. This includes the property price, address, estimated valuation, and completion deadline.
What fees will I pay?
For this product, we charge an arrangement fee. Your solicitor may also charge legal fees as part of the arrangement process.
We charge a redemption administration fee when you fully repay your loan, which covers costs associated with closing your account and removing our charge from your property.
All of these fees can vary, so we’ll ensure the fees that apply to your loan are clearly explained before you sign on the dotted line.
Other fees and charges may be applied to your account during the life of your loan, in relation to the management of your account, e.g. if you fall behind on your monthly payments. These are all explained in our Tariff of Charges.
All mortgages are subject to our terms and conditions.
Loans offered by Together Commercial Finance Limited are not regulated by the Financial Conduct Authority.
