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Product guides

We’re a specialist finance provider that offers a wide range of flexible products for both commercial and retail purposes.

Here at Together, we have 42 years’ experience helping customers find financial solutions to suit their individual needs, so we’re happy to say we’re experts at what we do.

We work with a vast network of auction houses, to help their clients who may include property investors, individuals and small and medium sized enterprises. If you have a client investing in a residential or commercial property or even looking for a residential mortgage, we can help.

 

We’re proud to put people at the heart of our common-sense lending decisions and assess each case on its individual circumstances. With our wide range of flexible products and all-together different approach to lending, we are on hand to help when your clients need us.

 

Auction finance

We help hundreds of property investors acquire commercial, semi-commercial, buy-to-let properties and land at auction every year. Our short term auction finance products cater for loan lengths up to 12 months and we can also help with longer-term finance once the property has been secured. We attend around 300 auctions across the UK every year, and are on hand to help before, during and after the auction, making in-principle decisions on the same day so that our clients can bid with confidence.

 

Short-term lending

We go further to provide flexible bridging finance to our clients. If you have an intended exit route within a short timescale then we can help. We understand the importance of speed and are geared to move quickly. So, whether funding is needed for residential or commercial acquisition or to raise capital, get in touch to find out how we can help.

 

Buy-to-Let

We offer second charge as well as first charge mortgages, and continue to do our best to help people create and build portfolios. We also offer consumer buy-to-let and limited company buy-to-let and consider most income sources including projected rent and can work with many status profiles from clients with a perfect credit rating to those who don’t. We’ll consider every application on its own merit and can finance properties regardless of structure, age or valuation.

 

Commercial mortgages

Property deals come in all shapes and sizes. We’re one of a few lenders offering first and second
charge commercial loans for any purpose and can provide loans secured against many property types or land, including those with agricultural restrictions. Plus, we also consider many income sources, including limited companies, sole traders and partnerships.

 

Residential mortgages

We consider home mortgage applications from customers with a variety of circumstances, looking beyond the credit score to see them as individuals. With a focus on affordability, we are able to cater for a wide variety of income sources, including employed, self-employed, DWP benefits and private pensions. We also offer Right to Buy and Shared Ownership.

 

Secured loans

We have been at the forefront of second charge mortgage product innovation for over 40 years. Loans secured on the home are a viable solution for those looking for home improvements and debt.

 

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Get in touch

We’re here between 9am and 5:30pm Monday to Friday. If you contact us by 2pm we’ll do our best to get back to you the same day.

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Build: 1.3.7.20057