Together

Executive Summary

Together is a long-established specialist lender that combines a relatively straightforward customer proposition with genuine commercial lending capability. Founded in 1974, Together says it has more than 50 years of lending experience. Its published approach is relationship-led, with experienced underwriters assessing cases on their merits rather than relying only on automated decisions. For commercial and semi-commercial property, Together can provide bridging finance from around £26,000 to a typical maximum of £5 million. Commercial bridging can reach up to 70% LTV, while some unregulated residential first-charge cases may reach 75% LTV.

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Together states that commercial bridging funds can be available in as little as 24 hours in some cases. That should be treated as a best-case position, not a guaranteed completion time. Valuation, legal work, title issues, source of funds and the quality of your exit plan still control the transaction. “Property finance experts with common sense.” : Together’s description of its lending approach, from its official company profile.

Deji Nehan is the author of Auction Demystified – Unlocking Auction Success, has more than 15 years’ experience in property auction and finance, and is the founder of the UK’s No.1 Auction & Bridging Finance Platform.

Behavioural Profile

Together’s strongest characteristic is accessibility. It sits between a high-street-style lender and a highly bespoke private funder. That can make it attractive when your case is not entirely standard, but you still want a clear product structure, published criteria and an established lending platform. Together’s commercial bridging proposition covers investment property, semi-commercial assets, capital raising and development exit. The lender also states that it can consider unusual properties, including non-standard buildings, subject to assessment.

Credit is checked on its merits. Together’s published commercial criteria can accommodate individuals, sole traders, partnerships, LLPs and limited companies. Up to four applicants may be included, and applicants must generally be aged 18 or over. The practical lesson is simple: do not present Together with a vague opportunity. Present a clear transaction. Show the property, the security position, the proposed works, the source of deposit and the exact route for repaying the bridge. This helps the lender assess the case quickly and gives your broker a stronger basis for packaging it.

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Together’s accessibility does not remove the need for careful due diligence. A case that appears simple can still be delayed by one unresolved issue.

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Before you bid, use Auction360’s Legal Pack Review and Auction Risk Analysis to test whether the property is financeable, not simply whether it looks profitable.

Together’s own commercial page also notes that a typical commercial bridging process may take three to four weeks. This is not a contradiction: a clean, urgent case can move very quickly, while a more involved commercial transaction may require a longer valuation and legal process.

Strengths and Weaknesses

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Best-Fit Scenarios

The strongest Together case is usually not the most unusual case. It is the case where the unusual feature is clearly explained and the rest of the transaction is controlled.

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Market Positioning

Together is best positioned as an established, accessible specialist lender with meaningful commercial scale. It is not simply an emergency bridge provider, and it is not limited to straightforward residential investment. Its commercial range allows it to consider larger loans, semi-commercial property, capital raising, land and development exit scenarios. At the same time, its product structure can feel more approachable than a fully bespoke private-credit process. That makes Together worth considering when you need specialist flexibility but want a lender with a clear public proposition and established intermediary infrastructure. For auction buyers, the timing advantage is most useful before the hammer falls. Secure an initial view of borrowing capacity, review the legal pack, check the property’s suitability and map the exit before you commit to the purchase. For a practical end-to-end guide, read Auction Demystified – Unlocking Auction Success by Deji Nehan. The book is designed to help you understand the auction process, legal risks, finance, refurbishment and exit planning in one place.

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Auction360 Profile

Auction360 provides specialist auction and bridging finance solutions for investors, developers and auction buyers across the United Kingdom.

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The service suite includes pre-auction approval, legal pack review, auction risk analysis, day-of-auction funding, auction bridging loans, commercial bridging finance, development finance and SPV funding. Get funded through Auction360 with a clear view of the property, lender fit and exit strategy.

Deji Nehan is the author of Auction Demystified – Unlocking Auction Success, with more than 15 years’ experience in property auction and finance. He is the founder of the UK’s No.1 Auction & Bridging Finance Platform.

Disclaimer

Your Property May Be Repossessed If You Do Not Keep Up Payments On A Mortgage Or Any Other Debts Secured On It. Content On This Platform Is Educational Purposes, Speak To A Qualified Professional To Discuss Your Specific Scenario.