Together Loans (operating under Together Money in the UK) is a specialist property-backed and personal lending business. Is Together Loans a legitimate UK lender — and is it worth considering for your borrowing needs?
What Is Together Loans?
Together Money is a UK-based specialist lender offering bridging loans, secured personal loans, and buy-to-let mortgages. It caters particularly to borrowers whose circumstances do not fit standard high street bank lending criteria — self-employed individuals, those with complex income, or those needing non-standard property types considered.
Is Together Loans Legitimate?
Yes — Together is a fully FCA-authorised lender (Financial Conduct Authority authorisation number verifiable at the FCA register at register.fca.org.uk). It has been operating since 1974 and is an established, regulated UK financial institution. It is not a scam.
Together Loans Products
- Secured personal loans (against property equity)
- Bridging loans for property transactions
- Buy-to-let mortgages
- Development finance
Together Loans Interest Rates
As a specialist lender, Together’s rates are higher than high street banks — this is the trade-off for the flexibility they offer to non-standard borrowers. Always compare the APRC (Annual Percentage Rate of Charge) for any secured loan and ensure the monthly payments are comfortably affordable, as secured loans risk your property if payments are not maintained.
Our Verdict
Together Loans is a legitimate, FCA-regulated UK lender providing real value for borrowers with complex circumstances. Rates are higher than mainstream lenders but reflect the specialist nature of their products. Verify FCA registration before borrowing from any lender.
