Together bridging finance review
Together offers short-term bridging loans secured against property, including borrowing for purchases and refurbishment. This guide explains the published product information, costs and eligibility, and the repayment exit to consider before taking out a bridge.
By Funding Fred · Sources checked 19 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to Together. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider Together?
- Property owners who need to complete a purchase before their existing property sale has finished, subject to Together's assessment.
- Borrowers planning a refurbishment project who need short-term funds secured against the property, where eligibility depends on the specific case.
- Applicants who can evidence a credible exit route, such as a future sale or refinancing plan, as this appears to be a condition of borrowing.
Worth weighing up
When to consider other options
- If a clear, assessed exit strategy, sale or refinancing, cannot yet be demonstrated, a bridging loan may not be appropriate until one exists.
- If the funding need doesn't involve property as security, this product type won't apply, since Together bridging loans are secured lending only.
- If a longer-term repayment structure is needed rather than a lump-sum settlement at the end of a short term, a different finance type may fit better.
Understand the offer
Costs and repayments
Together's bridging loans are secured against property, and the published information states that pricing terms depend on factors including the property itself, the loan-to-value ratio, the amount being borrowed, and the applicant's individual credit circumstances. This guide does not quote a specific rate or fee schedule; request a written quote showing the costs for the property and proposed term.
Repayment structure is a key feature to understand before applying. Together describes capital as normally being repaid in a lump sum at the end of the loan term, rather than through gradually reducing monthly instalments. This is a defining characteristic of bridging finance generally, and borrowers should factor this lump-sum obligation into their planning from the outset.
The typical term referenced on Together's page is 12 months, though actual terms will vary by circumstance. Because the loan is short-term and secured, an assessed exit plan, such as a property sale completing or a refinance being arranged, is required. This guide does not promise that either outcome will occur, and borrowers should treat their exit route as something that needs independent verification, not a guarantee. For a broader look at how bridging costs are typically structured across the market, see this bridging loan costs guide.
Eligibility and application
Together's published bridging loan information centres on property-secured borrowing, with the loan intended either to bridge a purchase ahead of a sale completing or to fund refurbishment work. The provider's own page, found at Together's bridging loans page, is the primary source for current criteria, and applicants should treat it, and a personalised quote, as the definitive reference rather than general market assumptions.
Beyond the presence of suitable property security and a workable exit plan, Together does not publish exhaustive underwriting criteria on its bridging page. This guide does not speculate on income thresholds, credit scoring detail, or regional restrictions that are not stated in the source material. Anyone applying should confirm current terms directly with Together, since eligibility described here should be treated as a starting point, not a confirmed approval.
Advantages to weigh up
- The loan is structured around property security, which can support borrowers whose situation involves timing gaps between a purchase and sale.
- Refurbishment funding is explicitly included as a supported use, alongside straightforward purchase bridging.
- The lump-sum repayment structure at term end may suit borrowers with a defined future event, such as a sale, rather than ongoing monthly affordability.
Limitations to understand
- Pricing is not published as a fixed rate; terms depend on property, loan-to-value, borrowing amount and credit circumstances, so a written quote is necessary before comparing costs.
- A lump-sum repayment obligation at the end of the term carries risk if the intended exit, sale or refinance, is delayed or falls through.
- Published detail on Together's page is limited to headline product mechanics; specific eligibility thresholds are not disclosed publicly and require direct enquiry.
Look at the wider picture
Comparing the alternatives
Bridging finance varies significantly between providers in how loan-to-value is calculated, how interest is charged, and what exit evidence is required before completion. Rather than assuming one lender's terms apply broadly, it's worth requesting written quotes and comparing them side by side, particularly around total cost over the expected term and any early repayment conditions.
Property-secured bridging is only one route among several short-term finance structures. Reading more broadly about how these loans work in practice, including typical documentation and exit evidence expectations, can help set realistic expectations before approaching any lender. See this bridging loans overview and this application checklist for further context, alongside Funding Fred's own bridging loans page.
MT Finance
Bridging finance
Uses: Auction purchase, chain-break prevention and equity release.
Read reviewBlack & White Bridging
Short-term property finance
Range: Auction, residential and commercial bridging.
Read reviewProduct features checked against each provider’s UK website. These are comparison pointers, not a price ranking or a promise of eligibility.
Your Together questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Together — Bridging loans. Other products may have different terms.
Sources checked 19 September 2026. Your written offer determines your actual costs and conditions.
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