Recent updates.

Great news! We’re excited to announce that, from Wednesday 29th October 2025, we’re reducing the fixed term rates on some of our personal and commercial finance products - some by as much as 0.20%.

Here’s a run-down of the changes:

Commercial Term

Semi-Commercial

Regulated First and Second Charge

Consumer Buy to Let

From Wednesday 29th October 2025, any new quotes created and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

For all our available rates and criteria, please see our product guides below. 

Buy to Let just got bigger!

As of Friday 17th October 2025, we’ve increased the maximum number of units that you can have in any Multi Unit Freehold Block (MUFB) and still qualify for a Buy to Let mortgage from 10 units to 30 units.

This is great news for clients that haven’t incorporated as their affordability can be assessed on rental and personal income instead of full business accounts. It also means that they may benefit from lower Buy to Let rates.

If there are 31 or more units within the MUFB, you will need to use a Commercial Term product. The property must also be used solely for residential purposes.

Check out our updated Product Guides for all the latest rates and criteria:

From Friday 17th October 2025, we’re decreasing the amount of a semi-commercial property’s floor space that must be allocated for residential purposes from 50% to 40%.

This change to the definition means that more properties will qualify for our semi-commercial mortgages and loans allowing you to place more cases and support more clients.

From Friday 17th October 2025, any new applications and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

For more information on our criteria and rates, you can find updated product cards here:

We listened to your feedback, and we’re pleased to extend our dual representation proposition to cover properties in Scotland.

From 17th October 2025, dual representation will be available for unregulated loans up to £500k, secured against residential property. This change will help speed up completions and aims to reduce legal costs for your clients.

Our internal legal team will oversee the process from start to finish, including all necessary title checks. We’ll charge £750 or 0.3% of the net loan (whichever is the higher amount) to cover our costs. This fee is separate to the solicitor’s legal costs.

Dual representation is already available in England and Wales, and this extension ensures a consistent legal process across Great Britain. We’re working with a panel of approved Scottish solicitors who understand how we work, making the process smoother and more reliable.

For full criteria and rates, check out our updated product cards here:

We’re making it easier for you to support the business ambitions of Brits living abroad and non-UK nationals by removing the rate loading previously added to their Buy to Let, Commercial Term and Semi-Commercial Term rates.

That means that all of your clients will benefit from the same rates, whether they’re overseas or living here.

From Wednesday 8th October 2025, the following non-UK rate load will be removed on any new cases submitted in MyBrokerVenue:

For more information on our product criteria and rates, check out our product cards.

From Friday 26th September 2025, the Lender’s Arrangement Fee for Regulated First Charge and Second Charge products will increase from £1,495 to £1,995.

There is no change to the Lender’s Arrangement Fee for Regulated Bridging and Consumer Buy to Let products.

The new Lender’s Arrangement Fee will apply to any applications that are quoted or re-quoted in My Broker Venue from Friday 26th September 2025.

Any applications currently in progress will need to be submitted by Friday 10th October 2025 to avoid the Lender’s Arrangement Fee increase, and these cases have until Friday 24th October 2025 to progress to offer. Offers will be honored for 90 days.

From Friday 26th September 2025, we’re withdrawing our Regulated Second Charge Smaller Loan product from sale.

The standard Regulated Second Charge product will still be available, with a minimum loan size of £30,000 and a maximum loan size of £750,000 (60% LTV).

Need to make changes to an existing submitted application or an application in pre-submission? Please contact your account manager directly and they’ll be happy to help.

Great news! In response to the latest Bank of England base rate cut and recent market changes, we’re excited to announce that, from Friday 19th September 2025, we’re reducing the rates on some of our personal and commercial finance products - some by as much as 0.25%.

Here’s a run-down of the changes:

Commercial Term – First Charge

Semi-Commercial – First Charge

Unregulated Bridge

Regulated Bridge

Buy to Let

Homeowner Business Loans (HOBL)

From Friday 19th September 2025, any new quotes created and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

For all our available rates and criteria, please see our product guides below.

As part of our continued commitment to supporting our broker partners, we’re making changes and providing clarity to our lending criteria to provide a greater level of protection for your customers.

We’ve also enhanced our valuation policy to improve the application journey and your experience with Together.

The changes will come into effect as of Friday 25th July 2025.

Here’s what you need to know:

• We’ve increased the valuation validity period from 90 days to 120 days, as we know some applications can take longer when working with a customer’s solicitor.


• We now require a full valuation on new builds, and properties with less than 85 years remaining on a leasehold. This is due to the impact these can have on the value of the property.


• Our team can support you with enquiries for properties undergoing refurbishment and will let you know if a full valuation is needed or an automated valuation model (AVM) can still be accepted.


• For high-rise buildings with cladding, panels or balconies, to be comfortable with the safety of the building an EWS1 must now be less than 5 years old at the point of funding.

For more information on our criteria and rates, you can find updated product cards here:

Great news! From Friday 27th June 2025, you’ll be able to offer reduced rates on our Buy to Let First and Second Charge products to existing Together customers that are either looking to convert a bridging loan to a Buy to Let mortgage or coming to the end of their BTL fixed term.

Here are the rates:

Buy to Let First Charge

Buy to Let Second Charge

If your client is an existing Together customer looking to transfer from an Unregulated Residential Bridging loan:

Option 1:

Key the case onto My Broker Venue as usual and manually override the rate, which can be found in your Product transfer guide. You will receive standard packaging commission upon completion of the case.

Option 2:

Alternatively, you can follow the steps as outlined in our Product transfer process. Upon a successful transfer you will receive commission which will amount to the lower of either £495 or 1.25% as outlined in our Commission policy*

If your client is an existing Together customer looking to transfer from a Buy to Let mortgage:

Follow the standard product transfer process that is already in place. Please refer to our Product transfer guide for Commercial Finance products for additional information.

You can also find all our latest rates on our range of Personal and Commercial Finance products here:

We’re pleased to share that, as of Friday 13th June 2025, we’re lowering the discounted rates on some of our personal finance products by 25bps.

Here are the changes:

Regulated First Charge

2-year discounted rates from 8.30%

Regulated Second Charge

2-year discounted rates from 8.99%

From Friday 13th June 2025, any new quotes created and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

From Friday 6th June 2025, we will be increasing the maximum loan sizes across Regulated Second Charge and Consumer Buy to Let Second Charge products.

Here are the changes you’ll want to know:

Regulated Second Charge

• The maximum loan size is increasing from £100k to £250k up to 75% LTV
• The maximum loan size is increasing from £250k to £500k up to 65% LTV
• The maximum loan size is increasing from £500k to £750k up to 60% LTV

Consumer Buy to Let Second Charge

• The maximum loan size is increasing from £250k to £500k up to 65% LTV
• The maximum loan size is increasing from £500k to £750k up to 60% LTV

From Friday 6th June 2025, any new applications and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

For more information on our criteria and rates, you can find updated product cards here:

We’re pleased to share that, as of Friday 23rd May 2025, we’re lowering the rates on our Buy to Let Second Charge products.

Buy to Let Second Charge

From Friday 23rd May 2025, any new quotes created and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

For all our available rates and criteria, please see our product guides below.  

At Together, we’re all about making our criteria as flexible as possible so you can help as many of your clients as possible. So, from Friday 23rd May 2025, we will be increasing the maximum loan sizes and LTVs across selected personal finance and commercial finance products.

Here are the changes you’ll want to know:

Commercial Finance

Buy to Let

• Our maximum loan size is increasing from £2.5m to £4.5m.
• For Second Charge Homeowner Business Loans, we are also increasing the maximum loan size from £500k to £1m (up to 70% LTV).

Commercial Term and Semi-commercial:

• Our maximum loan size is increasing from £1.5m to £5m
• We’re increasing our LTVs to 70% for purchase and 65% for remortgage

Non-standard properties:

• The maximum LTV is now 65% for all non-standard properties on our Buy to Let and Homeowner Business Loan products. This represents an increase of 5% LTV for remortgage and second charge.

Personal Finance

Non-standard properties:

• We're increasing the LTV from 60% to 65% across our First Charge, Second Charge and Consumer Buy to Let product range.

For more information on our criteria and rates, you can find updated product cards here:

Good news! As of the 9th of May 2025, we’re lowering the rates on most of our variable and all our bridging rates.

Here’s a look at what’s changing:

Buy to Let

Commercial Term

Semi-Commercial

Unregulated Bridge

Regulated First and Second Charge

Consumer Buy to Let

Regulated Bridge

From Friday 9th May 2025 any new quotes created and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

For all our available rates and criteria, please see our product guides below.  

Good news! As of the 2nd May 2025, we’re lowering the rates on some of our 2-year and 5-year fixed term products.

Here’s a look at what’s changing:

Buy to Let

Commercial Term

Semi-Commercial

Regulated First and Second Charge

Consumer Buy to Let

Homeowner Business Loan

From Friday 2nd May 2025 any new quotes created and re-quotes for cases in My Broker Venue can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our underwriting team on 0161 933 7042.

From Friday 2nd May 2025, our Discounted Regulated First Charge and Regulated Second Charge products are increasing by 25bps.

• Regulated First Charge: 8.55% increased to 8.80%
• Regulated Second Charge: 9.24% increased to 9.49%

The new discounted rates will apply to any applications that are quoted or re-quoted in My Broker Venue from Friday 2nd May 2025. Any applications currently in progress will need to be submitted by Friday 16th May 2025 to avoid the rate change, and these cases need to be progressed to offer by Friday 13th June 2025.

For all our available rates and criteria, please see our product guides below.

We’re excited to announce that, from Wednesday 30th April 2025, our lowest rates on Regulated Bridging First Charge and Second Charge products are now available for customers with an LTV of up to 60%.

Previously, these rates were only available for cases with an LTV of up to 50%, so this change will allow you to quote our best bridging rates for even more of your customers.

Regulated Bridging First Charge: 

• Rates from 0.85% (up to 60% LTV). 

Regulated Bridging Second Charge:   

• Rates from 1.00% (up to 60% LTV). 

For all our available rates and criteria, please see our product guides below.  

Quotes created from the Wednesday 30th April 2025, and re-quotes on cases in My Broker Venue, can benefit from these changes. If a case is locked in My Broker Venue that you would like unlocking, please contact our Underwriting Team on 0161 933 7042. 

You can also view our new guide to Regulated Bridging available on Chalk – our resource hub for Intermediaries for more information.