Also known as: Together Money; Together
Together Financial Services Limited is a UK specialist lender that provides mortgages, bridging loans, and secured loans to personal and business customers who may not qualify for mainstream bank products. It focuses on providing flexible lending solutions based on the value of property.
Together lends to customers including self-employed people with complex income, those with adverse credit histories, older borrowers, and those with non-standard properties that mainstream lenders are reluctant to finance. It uses a property-based lending approach, meaning the loan is secured against the borrower's property.
Products include residential mortgages, buy-to-let mortgages, bridging finance for property purchases, commercial mortgages, and second charge loans. Interest rates are higher than mainstream lenders given the additional risk and flexibility offered.
Getting independent legal and financial advice is particularly important before taking out a secured loan or specialist mortgage, as your home or property could be at risk if you cannot keep up with repayments.
If you have a Together loan or mortgage and need to contact them, details are available on their website at togethermoney.com. Together Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with repayments, contact Together directly. Free debt and mortgage advice is available from StepChange on 0800 138 1111 and Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Together Financial Services Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Residential mortgages; Buy-to-let mortgages; Bridging loans; Auction finance; Commercial mortgages; Development finance; Second charge secured loans
Trading names and group notes
Group comprises multiple entities including Together Personal Finance Limited and Together Commercial Finance Limited. Privately held; not listed.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Not verified (mixed reviews; sources suggest 3-4 star range overall)
Approximately 2,235 (as of mid-2026) reviews
Other review sources
Also reviewed on Feefo and Smart Money People. Mixed sentiment — praised for speed and flexibility, criticised for pricing transparency and fees.
Overall public sentiment
Mixed. Positive reviews highlight fast completions, flexible criteria and helpful staff. Negative reviews focus on high rates, lack of fee transparency and communication delays.
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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