Together Commercial Finance
The commercial arm of finance house Together, lending commercial mortgages from 8.94 per cent and bridging from 0.94 per cent a month, up to around £5m, underwritten by people rather than criteria.
What they do
Together Commercial Finance is wholesale and securitisation-funded rather than deposit-taking, and lends against commercial and semi-commercial property up to about £5m at up to 70 per cent loan to value, dropping to 50 per cent on pubs, guest houses, dry cleaners and land. Rates are published: commercial mortgages from 8.94 per cent, bridging from 0.94 per cent a month, set by leverage and credit history rather than a score. Bridging can complete in 24 hours where required and typically takes three to four weeks. Non-UK-resident and expatriate borrowers are accepted.
Where they fit in a lower-mid-market raise
Manual underwriting is the offer. Where a case has an imperfect credit history, an unusual property or a structure a bank's system rejects, this lender will still look at it and price for the risk, and it moves quickly when a deadline demands it. For a £3m to £5m deal with real owner-occupied premises behind it, that combination is worth the margin.
Where they are not the fit
Both products cap around £5m, so only the bottom of a £3–15m raise is reachable. Pricing is high by design, and bridging carries an early repayment charge and a defined twelve-month exit. Leverage is halved on the trickier property types, and there is no cashflow lending of any kind.
Published terms
- Pricing
- Commercial mortgage rates from 8.94%; commercial bridging from 0.94% per month. Rate set by loan to value and credit history (not credit score). Lenders arrangement fee, ERC and redemption admin fee apply
- Speed to terms
- Bridging: 24-hour completions available, typically 3-4 weeks full process. Commercial mortgage: 'several weeks'
- Sponsored or sponsorless
- Sponsorless - owner-occupier trading businesses and property investors (individuals, sole traders, ltds, partnerships); not a private-equity sponsor LBO lender
- Where they lend
- Welcomes non-UK-resident and expatriate applicants
- How they decide
- Manual, underwriter-led ('we don't decide on criteria alone'); distributed largely via intermediaries/packagers with a dedicated corporate/Premier channel for high-value cases. Delegated-authority structure not published
As published by the lender and last reviewed June 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Together Commercial Finance lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Together Commercial Finance lends, but which of these would own it.
Commercial mortgage
- Facility
- £50k to £5m
- Security
- Fixed charge
- Funds
- Acquisition · Growth · Refinance
- Rules out
- No property collateral (loan to value-driven, not cash-flow lending); Max loan to value 70% standard or 50% on pubs, B&Bs, dry cleaners, land
Commercial bridging loan
- Facility
- £26k to £5m
- Security
- Fixed charge
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Short-term (~12-month term) with defined exit required; Max 70% loan to value; Priced monthly (from 0.94%/month)
How they sit against the category
- Its published ceiling is £5m; 67 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Together Commercial Finance write?
Published facilities reach £5m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Together Commercial Finance move?
Bridging: 24-hour completions available, typically 3-4 weeks full process. Commercial mortgage: 'several weeks'. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Where does Together Commercial Finance lend?
Together Commercial Finance lends welcomes non-UK-resident and expatriate applicants.
On the record
2025: published Commercial Term Index 2025 market commentary (togethermoney.com/blog/commercial-term-index-2025.
June 2025: Commercial Finance CEO retired from Board, remaining on Executive Team during handover (mortgagestrategy.co.uk / mpamag.com.
May 2026: senior leadership hire from Paragon Banking Group (mpamag.com.
Sources: togethermoney.com
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.