Together
Together Mortgages, Bridging Loans and Specialist Finance
Together, is a specialist UK lender offering mortgages, secured loans, buy-to-let mortgages, bridging finance, commercial mortgages, auction finance and development finance.
Rather than being a typical high street mortgage lender, Together is often considered where a case needs a more flexible approach. This may include borrowers with complex income, imperfect credit, unusual property types, tight timescales, commercial property requirements or a need to raise funds against existing property.
Together describes its approach as common-sense lending. For many borrowers, this can be helpful where a mainstream lender is unable to help because the case does not fit standard criteria.
At Kerr & Watson, we can help you review Together alongside other suitable lenders, so you can understand whether Together may be appropriate for your circumstances.
Why do people consider Together?
Specialist lending for complex cases
Together is known for considering cases that may not fit neatly with a mainstream lender.
This could include applicants with complicated income, self-employed borrowers, applicants with previous credit issues, landlords, property investors, business owners, and borrowers buying or refinancing non-standard property.
Some mortgage applications are declined not because the customer cannot afford the borrowing, but because the lender’s criteria are too restrictive. A specialist lender may be able to look at the bigger picture and assess the overall strength of the case.
Common-sense underwriting
Together places emphasis on understanding the person, property and purpose behind the application.
This can be useful where there are several moving parts. For example, a borrower may have self-employed income, a historic credit issue and a property that is slightly unusual. One of those factors may be manageable with some lenders, but several together can make the case more difficult.
A lender such as Together may be worth considering where the case needs manual review rather than a purely automated decision.
Buy-to-let mortgages
Together offers buy-to-let mortgage options for landlords and property investors.
This may include first-time landlords, experienced landlords, portfolio landlords, limited company applicants, expats and borrowers with more specialist property types, subject to criteria.
Buy-to-let applications can depend heavily on rental income, property type, borrower profile, ownership structure and the wider portfolio. A broker can help check whether Together or another buy-to-let lender is likely to be the best fit.
Bridging finance
Together is also well known for bridging loans.
A bridging loan may be useful where short-term finance is needed quickly. This could include buying at auction, breaking a property chain, completing a purchase before a sale has completed, funding refurbishment works, or arranging temporary finance before moving onto a longer-term mortgage.
Bridging finance should always have a clear exit strategy. The exit may be a property sale, remortgage, buy-to-let refinance, commercial mortgage or another suitable repayment route.
Commercial mortgages and business finance
Together offers commercial finance for businesses, landlords, property investors and commercial borrowers.
This can include commercial mortgages, commercial bridging finance, commercial buy-to-let, commercial loans, auction finance and lending for business purposes.
Commercial finance is usually more bespoke than a standard residential mortgage. The lender may consider the property, trading business, lease terms, tenant profile, security, valuation, income, accounts and repayment strategy.
Non-standard property types
Together may be considered for properties that many mainstream lenders find difficult.
This could include certain non-standard builds, ex-council properties, flats above commercial premises, HMOs, multi-unit properties, holiday lets, properties needing refurbishment or properties bought at auction.
Not every property will be acceptable, and each case depends on valuation, condition, location, construction, use and the borrower’s wider circumstances.
Together Product Highlights
Residential mortgages
Together may be able to support residential mortgage cases where the borrower or property does not meet standard high street criteria.
This may include borrowers with complex income, self-employed income, historic adverse credit, unusual circumstances or properties that require a more flexible approach.
A specialist residential mortgage can be useful where the overall case is strong, but one element makes it difficult to place with a mainstream lender.
Buy-to-let mortgages
Together offers buy-to-let mortgages for landlords and property investors.
Their buy-to-let range may be considered for personal ownership, limited company applications, first-time landlords, portfolio landlords and more specialist property types.
Buy-to-let mortgages can be used for purchases, remortgages, capital raising, portfolio restructuring and refinancing existing borrowing.
The right lender will depend on the rental income, deposit or equity, property type, landlord experience, existing portfolio and ownership structure.
Consumer buy-to-let
Together may also consider consumer buy-to-let cases.
A consumer buy-to-let mortgage may apply where someone becomes a landlord through circumstance rather than as a professional property investor. This could include letting out a former home following relocation, inheritance, relationship changes or other personal reasons.
Consumer buy-to-let can be regulated, so it needs to be handled carefully and assessed properly.
Portfolio landlord mortgages
Together may be suitable for some portfolio landlord cases.
A portfolio landlord may own several rental properties and need a lender that can understand the wider borrowing structure. The lender may want to review existing properties, rental income, mortgage balances, portfolio equity, experience and future plans.
For larger portfolios, case presentation matters. Clear documentation can help the lender understand the overall position more quickly.
HMO and specialist buy-to-let property
Together may consider some specialist buy-to-let property types, such as HMOs, multi-unit blocks, holiday lets, Airbnb-style properties and non-standard rental properties, subject to criteria.
These cases often need more detailed checks than a standard single-let property. The lender may review licensing, planning, valuation, rental demand, room numbers, management experience and whether the property is suitable security.
Bridging loans
Together bridging finance can support borrowers who need short-term property funding.
This may be relevant for auction purchases, renovation projects, chain breaks, time-sensitive purchases, capital raising, development exits or situations where a long-term mortgage is not yet available.
Bridging loans are normally arranged for a short period and are secured against property. They can be useful, but they are not suitable for every borrower.
Before taking bridging finance, you should be clear on the cost, term, security, repayment route and what happens if the exit strategy is delayed.
Auction finance
Together may be considered for auction purchases where finance needs to be arranged quickly.
Auction purchases often require completion within a short timescale. A traditional mortgage may not always be suitable, especially if the property needs work, lacks standard facilities or cannot be valued and underwritten quickly enough.
A bridging loan may allow the purchase to complete, with a longer-term mortgage arranged later once the property is ready or the exit route is clearer.
Commercial mortgages
Together offers commercial mortgage options for businesses and property investors.
This may include commercial property purchases, refinancing, capital raising, commercial investment property, semi-commercial property and business premises finance.
Commercial mortgage cases can vary widely. The lender may consider the property, tenant, lease, trading business, accounts, valuation, income, security and borrower experience.
Semi-commercial mortgages
Together may consider semi-commercial or mixed-use property.
A semi-commercial property usually has both residential and commercial elements, such as a shop with a flat above. These cases can be more complex because the lender must understand both parts of the property and how the income is generated.
Some mainstream lenders are cautious with mixed-use properties, so specialist lender options may be worth exploring.
Secured loans and second charge borrowing
Together offers secured loans and second charge mortgage options.
A second charge loan sits behind an existing first mortgage and can allow a borrower to raise additional funds without replacing their current mortgage.
This may be considered for home improvements, debt consolidation, business purposes, tax bills, property investment or other capital raising needs, depending on the borrower’s circumstances.
Second charge borrowing is secured against property, so it should be considered carefully alongside alternatives such as a remortgage or further advance.
Development finance
Together also offers development finance for property projects.
Development finance can support developers with refurbishment, conversion, ground-up development, development exit and other property project requirements.
The lender will usually assess the site, planning permission, build costs, gross development value, borrower experience, professional team, contingency and exit strategy.
Is Together suitable for a standard residential mortgage?
Together does offer mortgage options, but it is generally more specialist than a typical high street lender.
If your case is straightforward, a mainstream lender may offer a more suitable route. However, if your situation involves complex income, previous credit issues, a non-standard property, unusual borrowing requirements or a need for speed, Together may be worth considering.
The best lender will depend on the full details of your circumstances.
What to consider before applying to Together
Before applying to Together, it is helpful to understand what type of finance you need and how the lender is likely to assess the case.
For residential mortgages, the lender may review income, affordability, credit history, deposit, property type and repayment plan.
For buy-to-let, the focus may be on rental income, property type, ownership structure, landlord experience and portfolio background.
For bridging loans, the key areas are usually the property, loan purpose, timescale, security and exit strategy.
For commercial mortgages, the lender may assess the property, lease, business, tenant, accounts and repayment route.
For second charge borrowing, the lender will consider your existing mortgage, available equity, income, affordability and purpose of funds.
Small details can affect lender choice. A case that fits one specialist lender may not fit another. Taking advice before applying can help reduce delays and avoid approaching lenders that are unlikely to support the application.
How Kerr & Watson Can Help
At Kerr & Watson, we help clients review mortgage and specialist finance options across the market.
We can assess whether Together may be suitable, while also comparing other lenders that may fit your circumstances.
This may include residential mortgages, buy-to-let mortgages, second charge loans, bridging finance, commercial mortgages, semi-commercial property finance, auction finance or development finance.
Our role is to understand what you are trying to achieve, explain the options clearly and help identify lenders that are most likely to consider your case.
With specialist lending, case presentation can be just as important as lender selection. We can help gather the right information, check criteria and present the application clearly from the outset.
Speak to a Specialist Mortgage Adviser
If you are considering Together for a mortgage, buy-to-let mortgage, bridging loan, commercial mortgage, secured loan or development finance, speak to Kerr & Watson.
We can review your circumstances, compare suitable lenders and help you understand which finance options may be available.
Contact Kerr & Watson today to arrange an initial conversation.
The information on this page is not tailored to any individual reader and should not be considered financial advice under any circumstances.
If you are seeking advice about a mortgage or specialist finance, you should speak with a qualified adviser.
Your Mortgage In 3 Easy Steps…
Conversation
Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.
Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.
Research
We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.
If you would like an agreement in principle, we’ll also arrange this for you.
Application
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We will also communicate with you at every stage, from application to completion.
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