Together Money has been lending on non-standard cases for over fifty years — a longevity that is itself the proposition: through-cycle experience underwriting the borrowers, properties and situations the mainstream declines, across a range spanning bridging, second-charge secured loans, auction finance, and residential and commercial mortgages at the flexible margin.
For contractors, Together’s breadth makes it a multi-purpose backstop: the second charge when the structure suits, the bridge when the clock binds, the flexible mortgage when the profile needs through-cycle judgement. This page maps the range.
Together’s short-term range covers the bridging canon — chain breaks, auction purchases, unmortgageable stock, refurbishment — with the deal-doing pragmatism long experience produces.
In the auction comparisons our practice runs, Together is a standing presence alongside the speed specialists, with through-cycle reliability as its distinguishing weight.
The experienced generalist of the short-term lender set, reliably present across chain-break and refurbishment cases.
A standing presence alongside the speed specialists, with through-cycle reliability as its weight.
An established name for raising against equity without disturbing a protected first-charge rate.
Present where incomes are non-standard, histories imperfect or properties unusual.
The first-charge range serves the flexible margin: non-standard incomes, imperfect histories, unusual properties — judged with the through-cycle pragmatism that is the house style.
Pricing reflects the flexibility, with the standard transitional logic applying where profiles will mature toward mainstream eligibility.
Income shapes outside the mainstream box are judged on their merits.
Past credit marks are read with through-cycle pragmatism.
Properties outside standard criteria are still considered.
Together is one of the established names in second-charge lending — the keep-your-first-mortgage capital raising our second charge page maps — with flexibility on income shape and purpose that serves contractor cases directly: the day-rate borrower raising against equity without disturbing a protected first-charge rate.
Lenders can assess day-rate contracts, recent invoices and a record of repeat work rather than a fixed salary, so irregular income is not a barrier. Funds can go towards business investment, home improvements or debt consolidation, while your existing mortgage and its low rate stay untouched. As the loan is secured against your home, make sure repayments stay affordable during quieter periods.
Fifty years of non-standard lending builds what newer specialists cannot buy: pattern recognition across full economic cycles, criteria philosophy tested by recessions, and an institutional comfort with complexity that survives market turns. The practical meaning for borrowers: appetite that persists when fair-weather flexibility retreats.
For contractors, this matters most when conditions tighten. A lender that has already seen several downturns tends to keep assessing day-rate contracts, invoice history and repeat work on their merits, rather than pulling back to rigid, salary-only rules. That consistency means your case is judged on the strength of your income, not on the mood of the market, which is especially valuable when borrowing needs to be dependable year after year.
The specialist breadth: bridging and auction finance, second-charge secured loans, and residential and commercial mortgages at the flexible margin — fifty years of underwriting the cases the mainstream declines.
One of the established names in the second-charge market, with income-shape and purpose flexibility that serves contractor capital-raising directly — the equity release that leaves a protected first-charge rate untouched, as our second charge page maps.
A standing presence in our auction comparisons — the bridging canon covered with deal-doing pragmatism, distinguished by through-cycle reliability rather than headline speed. The live terms decide each placement against the field.
The flexible margin is the house territory: non-standard incomes including contractor shapes, judged with through-cycle pragmatism rather than template scoring. Pricing reflects the flexibility, with the mainstream exit planned where profiles will mature.
Through-cycle appetite: criteria philosophy tested by recessions persists when fair-weather flexibility retreats. For transactions and profiles that need certainty in uncertain conditions, that institutional weight is itself part of the comparison.