Investor Relations.
About us
Founded in 1974, Together is one of the UK’s leading non-bank relationship lenders. Experts in property lending, we have been making finance work to help individuals, families, later life customers, entrepreneurs, SMEs, businesses, landlords and developers realise their ambitions for over 50 years.
Our purpose is 'realising people's ambitions by making finance work' and it explains why we exist and what we stand for at Together. It acts as the cornerstone for everything we do and is strongly aligned to our vision, our strategy, our culture and our embedded values of showing respect for people, doing the right thing and being accountable.
Our vision is 'to be the most valued lending company in the UK' - the most valued by our colleagues, our customers, our communities, our investors and our regulators. Our strategy is to deliver for each of our stakeholder groups, by meeting their diverse needs and expectations.
Latest Results: Q3 2024-25
£248.1m
Originations
(Q3 '24: £262.5m)
£7.8bn
Loan Book
(Q3 '24: £7.0bn)
55.3%
Loan Book LTV
(Q3 '24: 55.2%)
5.5%
Net Interest Margin
(Q3 '24: 5.5%)
£57.5m
Underlying PBT
(Q3 '24: £51.8m)
£900.1m
Cash Receipts
(Q3 '24: £730.5m)
Annual Report 2024
Investor News
Sustainability hub
Our Research
Corporate Governance
Our Purpose in Action
Current Credit Ratings
Together Financial Services Limited
S&P BB / Stable
Fitch BB / Stable
Together Senior Secured Notes
S&P BB / Stable
Fitch BB / Stable
Midco | Senior PIK Toggle Notes
S&P BB- / Stable
Fitch B+ / RR6
Financial Calendar
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