Together Bridging Loans: Complete Lender Review & Live Quote Comparison.

About Together Bridging Finance

Together has been providing specialist property finance since 1974, making them one of the UK's most established and trusted bridging loan providers. With over 800 colleagues and a £7.6 billion loan book, they combine decades of experience with modern, efficient lending processes.

Their common-sense approach to bridging finance means they can often help when other lenders can't or won't. Based in Cheadle, Cheshire, they serve customers throughout the UK with both regulated and unregulated bridging solutions.

Why Choose Together for Your Bridging Loan?

Established Heritage: Over 50 years of specialist lending experience Financial Strength: £7.6 billion loan book and award-winning stability Flexibility: Their door is always open - they lend where others won't Speed: Fast decisions and quick completion times Support: Expert team of 800+ professionals across the UK

Together Bridging Loan Products

Regulated Bridging Loans

Perfect for owner-occupier properties and residential investments where you need consumer protection.

Features:

  • Consumer protection under FCA regulations

  • Competitive rates from 0.45% per month

  • Loan amounts: £50,000 to £2 million

  • Terms: 1-18 months

  • LTV: Up to 75%

Unregulated Bridging Loans

Ideal for commercial properties, investment purchases, and business purposes.

Features:

  • Faster processing with fewer regulatory requirements

  • Higher loan amounts up to £7.5 million

  • More flexible terms and criteria

  • LTV: Up to 80%

  • Terms: 1-24 months

Auction Finance

Specialized bridging finance for property auction purchases with rapid completion requirements.

Features:

  • 28-day completion guarantee

  • Same-day decisions available

  • Remote valuations where possible

  • Experienced auction finance team

Loan Criteria & Requirements

Minimum Requirements

  • Loan Amount: £50,000 minimum

  • Property Value: £75,000 minimum

  • Term: 1-24 months

  • Exit Strategy: Clear and viable exit plan required

  • Security: First or second charge over UK property

Acceptable Security Types

  • Residential properties (houses, flats, apartments)

  • Commercial properties (offices, shops, warehouses)

  • Mixed-use properties

  • Development sites with planning permission

  • Properties requiring refurbishment

Typical Borrower Profiles

  • Property developers and investors

  • Business owners requiring quick finance

  • Individuals needing fast property solutions

  • Landlords expanding their portfolios

  • Auction buyers requiring rapid completionhy Choose United Trust Bank for Bridging Finance?

Loan Criteria & Requirements

Minimum Requirements

  • Loan Amount: £50,000 minimum

  • Property Value: £75,000 minimum

  • Term: 1-24 months

  • Exit Strategy: Clear and viable exit plan required

  • Security: First or second charge over UK property

Acceptable Security Types

  • Residential properties (houses, flats, apartments)

  • Commercial properties (offices, shops, warehouses)

  • Mixed-use properties

  • Development sites with planning permission

  • Properties requiring refurbishment

Typical Borrower Profiles

  • Property developers and investors

  • Business owners requiring quick finance

  • Individuals needing fast property solutions

  • Landlords expanding their portfolios

  • Auction buyers requiring rapid completion

Interest Rates & Fees

Competitive Monthly Rates

Our bridging loan rates are calculated monthly and vary based on:

  • Loan-to-value ratio

  • Property type and location

  • Borrower experience

  • Exit strategy strength

  • Loan amount and term

Typical Rate Ranges:

  • Prime residential: From 0.45% per month

  • Standard residential: From 0.55% per month

  • Commercial/Semi-commercial: From 0.65% per month

  • Development/Refurbishment: From 0.75% per month

Transparent Fee Structure

  • Arrangement Fee: Typically 1-2% of loan amount

  • Valuation: From £350 (varies by property type)

  • Legal Fees: Borrower responsible for both sides

  • Early Repayment: Usually no penalties after 3 months

  • Exit Fees: None on most products

Application Process

Step 1: Initial Enquiry

Complete our simple online form. We'll provide an instant indicative quote based on your requirements.

Step 2: Formal Application

Submit your application with supporting documents. Our underwriters will assess your proposal and provide a Decision in Principle.

Step 3: Valuation & Legal

We'll instruct a RICS surveyor for property valuation and solicitors for legal work. Both can often be progressed simultaneously.

Step 4: Completion

Once all conditions are satisfied, we'll complete your bridging loan and release funds to your solicitor.

Typical Timescales:

  • Initial quote: Same day

  • Decision in Principle: 24-48 hours

  • Valuation: 3-5 working days

  • Legal work: 1-2 weeks

  • Completion: 2-3 weeks from application

Common Use Cases

Property Purchase

  • Chain break solutions

  • Auction property purchases

  • Quick property acquisitions

  • Investment property purchases

  • Commercial property buying

Property Development

  • Refurbishment projects

  • Light development work

  • Planning permission pending

  • Permitted development rights

  • Conversion projects

Business & Personal

  • Business cash flow solutions

  • Tax bill payments

  • Inheritance tax planning

  • Debt consolidation

  • Time-sensitive opportunities