Together Bridging Loan Rate Table
Indicative rates as of October 2026. All rates are per calendar month. Your actual rate will depend on the specific security, term, LTV and borrower profile. Speak to Doulton Bridging Finance to obtain a personalised illustration.
| Product / Security Type | LTV Band | Rate (per month) | Typical Use Case | Arrangement Fee | Max Term |
|---|---|---|---|---|---|
| Residential 1st charge | Up to 70% | from 0.55% | Chain break, auction purchase, refurbishment | 2% (can add to loan) | 24 months |
| Residential 1st charge | 70–75% | from 0.65% | Higher LTV purchase, equity release | 2% (can add to loan) | 24 months |
| Commercial / semi-commercial | Up to 65% | from 0.70% | Mixed-use, retail, office, industrial purchase | 2% (can add to loan) | 24 months |
| HMO / holiday let | Up to 70% | from 0.65% | Licensed HMO acquisition, holiday let refurb | 2% (can add to loan) | 24 months |
| Adverse credit / complex | Up to 70% | from 0.85% | Discharged bankruptcy, CCJs, defaults, complex income | 2% (can add to loan) | 24 months |
| 2nd charge residential | Up to 70% CLTV | from 0.95% | Raise capital without disturbing 1st charge | 2% (can add to loan) | 24 months |
Exit fee of 1% applies on certain products. Rates are indicative and correct as of October 2026.
How Together Rates Compare to the Market
Together sits in the mid-range of the market for standard residential bridging, but becomes the standout option as cases become more complex. The table below benchmarks Together against a blended panel average and a typical high-street specialist competitor.
| Product / Scenario | Together | Panel Average | Typical Competitor | Together's Position |
|---|---|---|---|---|
| Standard resi 1st charge, 65% LTV | 0.55%/mo | 0.52%/mo | 0.50%/mo | Mid-market |
| Resi 1st charge, 70–75% LTV | 0.65%/mo | 0.68%/mo | 0.70%/mo | Competitive |
| Adverse credit / near-miss | 0.85%/mo | 0.95%/mo | 1.10%/mo (where available) | Market-leading |
| Non-standard property | 0.65–0.80%/mo | 0.80%/mo | Declined or 1.00%+ | Market-leading |
| Commercial / mixed-use | 0.70%/mo | 0.75%/mo | 0.80%/mo | Competitive |
Key Features of Together Bridging Finance
Together's proposition goes well beyond rate. Their specialist underwriting and breadth of accepted cases sets them apart from most lenders on the market.
- Near-miss and adverse credit accepted: Together will consider borrowers with discharged bankruptcy, satisfied CCJs, recent defaults and missed mortgage payments - assessed on merit rather than by automated credit scoring.
- Non-standard property accepted: Ex-local authority, steel frame, prefabricated and timber construction are all within scope, giving Together access to a large market most lenders walk away from.
- HMOs and multi-lets: Licensed HMOs accepted across all property types - including large and complex HMOs that exceed the standard 6-bed threshold, subject to licensing and management quality.
- Properties above commercial premises: Together routinely bridge flats above shops, takeaways and offices - a property type that creates valuation difficulties and is declined by the majority of bridging lenders.
- Complex income accepted: Self-employed, multiple income streams, recent company formation and offshore income are all considered, with underwriters taking a pragmatic view on serviceability and exit.
- Up to £25m, 24-month term: Loan sizes from a few hundred thousand to £25m, with terms of up to 24 months - suitable for larger chain breaks, development exits and commercial transactions that need breathing room.
Is Together Right for Your Deal?
Together is not the cheapest lender on the panel, but for a significant range of deals they are the right lender - either because other lenders cannot assist, or because their pricing is genuinely competitive once complexity is factored in.
Where Together wins
- Borrowers with adverse credit history - CCJs, defaults, discharged bankruptcy
- Non-standard construction: steel frame, prefab, timber, ex-local authority
- Flats or houses above commercial premises
- Licensed HMOs and multi-unit blocks requiring specialist underwriting
- Complex or irregular income (self-employed, multiple sources, offshore)
- Commercial and semi-commercial bridging up to 65% LTV
- Holiday let acquisitions and refurbishments
Where to look elsewhere
- Prime residential at sub-60% LTV where market-leading rate is the priority (consider MT Finance at 0.44%/month)
- Borrowers needing very rapid completion (5–7 days) - Together's process is thorough rather than fast
- Development finance above ground-up level (Together offer development, but specialist development lenders may be more appropriate)
- Loans above £25m
- Property in Scotland where Together's appetite is more limited