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.
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)
Annual Report 2024
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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