Lender

Speedy Decision-Making: Together is known for offering rapid decisions on bridging finance, often providing agreement in principle (AIP) within hours. This helps brokers to meet tight deadlines for clients looking to move quickly.  No Maximum Loan Size: Unlike some lenders, Together Money has no upper limit on the loan size for bridging finance, giving brokers…
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Adverse Credit Considered: Together can work with clients who have severe adverse credit, including those with CCJs, defaults, or missed payments, giving brokers more options for challenging cases.  No Maximum Property Portfolio Limit: Ideal for landlords with large portfolios, Together Money doesn’t impose a maximum limit on the number of properties a client can own. …
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Severe Adverse Credit: Together Money specialises in offering solutions for clients with severe adverse credit, including missed payments, CCJs, defaults, and even bankruptcy. This allows you to support clients who would typically be declined by high street lenders.  Almost All Property Types: Whether it’s non-standard construction, properties above commercial units, or homes with complex layouts,…
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Bridging for Both Regulated and Unregulated Clients: UTB provides bridging finance for both regulated and unregulated purposes, making it versatile for brokers with clients across various sectors.  Refurbishment and Development Bridging: UTB has specialist products for light and heavy refurbishment projects, allowing brokers to meet the needs of clients undertaking property improvements.  Flexible Lending Criteria:…
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Flexible criteria for non-standard construction types: such as timber-framed, steel, or concrete properties, making it easier for brokers to secure finance for less conventional structures.  Ability to accommodate clients with recent CCJs or Defaults: including those registered within the past 12 months, without automatically ruling them out, giving brokers more scope to help clients with imperfect…
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Non-standard construction types: United Trust Bank is open to lending on properties that fall under non-standard construction types, such as timber-framed homes or properties with thatched roofs, which are often declined by mainstream lenders.  They are willing to lend on properties located near commercial premises, helping brokers secure funding for clients purchasing homes in more…
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Up to £5m borrowing per property, allowing brokers to secure substantial funding for high-value properties and complex portfolios.  Available for individual landlords, limited companies, and trading companies, offering flexibility in ownership structures, including intercompany loans to facilitate more intricate financial arrangements.  No minimum income requirement, enabling a wider range of clients, including those with non-traditional…
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1 year’s accounts for up to 85% LTV: Ideal for self-employed clients, TML accepts just one year of trading history, allowing more borrowers to qualify, even those who have recently started their business.  Latest figures used for affordability: When assessing affordability, TML will work with the most up-to-date figures, giving clients the benefit of their…
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No minimum income requirement: Ideal for landlords relying primarily on rental income, making BTL more accessible to a wider range of clients.  Ltd Company rates identical to individual rates: Offers limited company clients the same competitive rates as standard BTL applicants, simplifying conversations around cost comparisons.  Lower rental stress testing for Ltd Companies: A more…
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No Minimum Income Requirement: Foundation Home Loans does not impose a minimum income threshold, making it ideal for clients with non-standard or fluctuating incomes, such as self-employed individuals or contractors.  Benefits Considered 100%: They will fully consider income derived from benefits, providing flexibility for clients who rely on state support as part of their income. …
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