Investor Relations.

One of the UK's leading non-bank relationship lenders, Together has been making finance work to help our customers realise their ambitions for 50 years.
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About us

Experts in property lending, we offer common sense solutions with speed and certainty to help individuals, families, later life customers, entrepreneurs, SMEs, businesses, landlords and developers to solve problems and realise opportunities.


Latest Results: Full year 2023 - 24


£3.0bn

Originations
(FY '23: £2.8bn)

£7.4bn

Loan Book
(FY '23: £6.4bn)

55.7%

Loan Book LTV
(FY '23: 55.3%)


£248.1m

Operating profit
(FY '23: £201.0m)

5.4%

Net Interest Margin
(FY '23: 5.2%)

£200.9m

Underlying PBT
(FY '23: £163.6m)
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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


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