What Together Money does

Together Financial Services Limited (trading as Together Money) is a UK specialist property lender operating since 1974 from its headquarters in Cheadle, Cheshire. The company employs more than 850 staff across Stockport and Greater Manchester and lends against both residential and commercial property through a multi-entity structure, with FCA-authorised subsidiaries (Together Personal Finance Limited and Blemain Finance Limited) handling regulated consumer activity. Its loan book reached £8.4bn at Q3 FY2026, up 7.6% year-on-year, with average monthly lending of £309.9m (up 24.9%) and an underlying pre-tax profit of £60.8m at a maintained 5.4% net interest margin and 29.9% cost-to-income ratio.

The product suite spans personal mortgages (first-time buyer, remortgage, second charge, shared ownership, right to buy), short-term bridging and auction finance, buy-to-let, secured homeowner loans, commercial mortgages, secured business loans, corporate lending, and social housing finance. Loan sizes range from £26k to £5m-plus across products. Technology is centred on the My Broker Venue intermediary portal with defined SLAs (DIP 24-48 hours, applications 24-72 hours, completions 48-72 hours), data-driven automated valuations, online Decision in Principle processing, and digital document upload with e-signature. Differentiated capabilities include human underwriter judgment, acceptance of self-employed and complex income borrowers, non-standard property types, and auction completion in as little as 24 hours.

The business model is intermediary-led, with revenue generated from net interest spread on lending, lender arrangement fees, redemption administration fees, early repayment charges, and securitisation execution (RMBS, CRE MBS, and second lien notes via subsidiary Jerrold FinCo plc). Distribution runs through brokers, packagers and networks via the portal, supplemented by direct-to-consumer digital channels and a regional corporate sales team covering Scotland, North West, Midlands, London and South for £1m+ transactions. Customer segments are personal borrowers, commercial/business customers, intermediaries, and social housing providers, with no disclosed geographic expansion beyond the United Kingdom.

Name

Together Money

Legal name

Together Financial Services Limited

Website

https://togethermoney.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

501–1,000 employees

Short description

UK specialist property lender founded 1974, offering residential mortgages, bridging, auction, buy-to-let, commercial and social housing finance through intermediary, direct, and corporate sales channels, with an £8.4bn loan book.

Ownership category

akta.pro rank

Product category

Specialist Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189), Personal Credit Institutions (6141)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

akta.pro secondary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Specialist property lending
• Bridging finance
• Residential mortgages
• Commercial mortgages
• Auction finance

Headquarters

HQ city

Cheadle Hulme

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Net Interest Income: Primary revenue from interest spread on lending activities. The company maintains a 5.4% underlying net interest margin on its loan book. Loans include bridging finance (monthly rates from 0.83%), mortgages (rates from 7.79%), and commercial lending products.
2. Securitization and Funding: Revenue generated through structured finance transactions including residential mortgage-backed securitisation (RMBS) and commercial real estate mortgage-backed securities. Completed £542m CRE securitisation and £528m RMBS (TABS15).
3. Arrangement and Processing Fees: Lenders Arrangement Fee charged on commercial mortgages, bridging loans, and secured loans. Redemption Administration Fee for account closure. Early Repayment Charges may apply.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Together Money is a specialist property finance lender offering short-term finance, auction finance, residential and buy-to-let mortgages, second charge mortgages, commercial mortgages, secured business loans, corporate lending and social housing finance. Its lending is distributed primarily through mortgage intermediaries using the My Broker Venue portal and a regional corporate sales team.

Product overview

Together Money is a specialist property finance lender operating since 1974, offering a comprehensive suite of mortgages and secured loans through a unified platform. The product portfolio spans two main divisions: Personal Finance (including personal mortgages, bridging loans, auction finance, buy to let, second charge mortgages, and homeowner loans) and Commercial Finance (including commercial mortgages, secured business loans, corporate lending, and social housing finance). The company positions itself as an alternative to mainstream lenders, emphasizing common-sense underwriting, flexibility on credit criteria, and support for non-standard properties and self-employed applicants. Products range from short-term bridging finance (12 months) to long-term mortgages (up to 40 years), with loan sizes from £26k to £5m+ depending on product type.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Mortgages

Quantifiable outcome

• 24.9% increase in average monthly lending to £309.9m
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Two partnerships are on record, tiered minor and core.

• ImproveasyminorStrategic or Co-development PartnerPartnership with Improveasy, a green home improvement specialist, to support customers making energy efficiency improvements to properties. Improveasy operates EPC Builder, an online portal guiding property owners through retrofit improvements in 5 steps, from EPC assessment to installation. Coverage primarily in North West, Together's traditional heartland.
• The Great House Giveaway (Channel 4)coreGTM or Marketing PartnerProud partners of Channel 4's The Great House Giveaway property show. The programme gives people struggling to get on the property ladder the chance to earn a deposit, buy at auction, renovate properties, and keep any profit from resale.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• LendInvest: UK specialist property finance platform offering bridging, development, and buy-to-let mortgages through both direct and intermediary channels. Comparable specialist short-term and buy-to-let property lending focus.
• Masthaven Bank: UK specialist bridging and development finance lender operating through intermediary channels. Smaller scale but comparable niche focus on bridging and property-backed short-term lending.
• Atom Bank: UK digital challenger bank offering specialist residential and buy-to-let mortgages distributed partly through intermediaries. Comparable UK challenger-bank mortgage proposition, though more digitally focused.

Direct peers

• Shawbrook Bank: UK specialist challenger bank focused on SME, commercial real estate, bridging, and specialist mortgages, with similar product breadth and intermediary distribution model. Most directly comparable specialist lender to Together's commercial and bridging book.
• Paragon Banking Group: UK specialist lender with buy-to-let, bridging, and development finance divisions operating through intermediary channels. Comparable business mix in property-backed specialist lending with similar securitization funding model.
• Aldermore Bank: UK challenger bank offering specialist mortgages, buy-to-let, bridging, and SME asset finance distributed largely through brokers. Closely aligned specialist-lending positioning and intermediary-led GTM motion.
• OneSavings Bank (Kent Reliance): UK specialist lender in residential and buy-to-let mortgages, second charge, and commercial real estate finance, with strong broker relationships. Overlaps with Together's specialist residential and second charge mortgage offerings.
• Hampshire Trust Bank: UK specialist bank focused on specialist mortgages, commercial real estate, and asset finance, primarily distributed through brokers. Direct overlap with Together's specialist residential and commercial mortgage offerings.

Broad incumbents

• HSBC UK: Major UK high-street bank with broad residential and commercial mortgage offerings. While a mainstream lender, its specialist mortgage propositions and bridging finance compete in adjacent segments to Together.
• Coventry Building Society: Large UK building society offering residential and buy-to-let mortgages with selective specialist criteria. Comparable UK mortgage proposition though much less specialist-focused than Together.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

• Xx.com/Together_Money
• YouTubeyoutube.com/channel/UC_RD6LkRZ7OaqOCGXxK0-OQ
• Facebookfacebook.com/TogetherMoney
• LinkedInlinkedin.com/company/together-loans-mortgages-and-finance
• Instagraminstagram.com/togethermoney

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries5 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Together Money