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About Together:


Specialist lender Together has over 44 years’ experience in the specialist finance sector, working with a range of customers spanning homebuyers, investors, property professionals, landlords and small businesses.


Together takes a common sense approach to lending and looks beyond the mainstream criteria, instead considering individual circumstances and reviewing customer needs on a case-by-case basis.


When a case involves non-standard property, purchase type, income source or credit, or any combination of these, Together aims to find a solution.


For more information email Daniel: by clicking here

A Comprehensive Guide for all aspects of Property Funding

Since the 2008 US sub-prime mortgage market crash there is no doubt funding criteria have tightened for property investors and developers. While there is still scope for innovative funding strategies, the new regulations introduced by governments and central banks around the world have certainly reduced speculative investment. We therefore thought it would be useful to take a look at modern funding opportunities for both buy-to-let and development investment. There are many options available and while we will cover these in as much detail as possible, you should take financial advice from a qualified professional before undertaking any funding arrangements. Buy-to-Let Mortgages The UK has traditionally leaned more towards homeownership than rental with the market given a significant boost by the Thatcher government’s right to buy legislation introduced in the 1980s. Since then we have seen a massive increase in house prices, more focus on rental accommodation with a significant increase...
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How a bridging loan can help businesses at every step

  Time is money, and that's never truer than in the world of business. And for those in the South West that need to borrow money, there's rarely time to waste – so waiting weeks and weeks for a mortgage or fixed-term loan to be approved isn't always an option. One alternative is a bridging loan, which can often be arranged and funded within days. Here, we’ve looked at how bridging loans work, and how they can be used by businesses at various points during their lifecycle. How bridging loans work Bridging loans are designed to span the gap between a payment going out, and a payment being received. They last up to 12 months, and interest is charged monthly. Rates typically vary depending on the amount being borrowed, the equity in the property, the credit status of the borrower and the type of property itself. In effect, they are...
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Short term finance can give business a boost

Article by Daniel Owen-Parr, Head of Professional Sector & Auction. It’s now 10 full years since the financial crash of 2008, and one of its lasting legacies has been a tightening of the rules around access to borrowing. Banks who got their fingers burnt have been reticent to offer lending, relying on rigid tick box criteria to help them decide whether applicants qualify. Some, however, are swimming against the tide. Often described by those in the industry as a ‘specialist lender’, Together has been in business for over 40 years, but really thrived over the last decade. Together say no to 'Computer says no' Operating under a banner of what it calls ‘Common sense lending’, they say no to ‘Computer says no’. This approach means they can often lend when others won’t. For instance, they’ll consider most circumstances, including typical ‘red flags’ like self-employment, imperfect credit history, and difficult-to-mortgage properties...
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Would you buy a ‘haunted’ house?

New survey reveals nearly half would be put off by suspected spectres and poltergeists • One in five Brits would slash the price of their house by 10% to sell • 42% would cover up their suspicions to would-be buyers • Some would even have a ghoul-banishing ritual carried out before selling Selling a ‘haunted’ house could scare off buyers - and strip up to ten per cent off the value of your home, according to a new survey. Nearly half of Brits (46 per cent) polled would be put off if they suspected they are sharing their new home with a ghostly spectre or poltergeist. And one in five GB residents (20 per cent) would be willing to drop their asking price for a quick sale of a home with spiritual inhabitants. Our Halloween survey of more than 2,000 British adults discovered that 42 per cent who thought they...
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I'm a landlord - is it worth registering as a limited company?

An increasing number of landlords are choosing to register as a limited company to manage their portfolios. There are a couple of different types of limited company you can set up, whether this is a trading company or a Special Purpose Vehicle (SPV). This is a company set up for the purposes of holding property and nothing else, this approach is mainly for those who are part time landlords. Whichever you choose, we look at why you might want to consider becoming a limited company, and the potential and pitfalls of doing so. Click here to get help with finance  Changes to mortgage interest relief In the past, private landlords could claim back the interest on their buy-to-let mortgages when completing their Income Tax returns. And landlords in the higher 40% and 45% tax brackets could also claim tax relief at this higher rate. The Government is now phasing this...
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‘Staycation’ boom offering opportunities for holiday let investors

Landlords and property investors are taking notice of a growing trend of the Great British ‘staycation’, with a number of them looking to rent out holiday properties on a short-term basis. On the back of good weather last year – England and Wales had the warmest spring since records began in 1659 – the number of domestic trips increased by an estimated 4.7% to 58.5 million, according to new research, while expenditure is estimated to have risen by 6.2% to £14.1 billion. Fergal McGivney, senior travel analyst at Mintel, which produced the British Lifestyles report, has predicted a “slight reduction in the growth of overseas trips as some consumers opt for staycations” this year, because of the subdued growth in wages and continued Brexit uncertainty. Meanwhile, tourism chiefs at ABTA have reported that the Norfolk Broads, the West Country and the Cotswolds are proving to be popular destinations for domestic...
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Landlords grow their buy-to-let portfolio through a seven-day second charge loan

  The directors of an investment company, who own nearly 250 properties, are set to grow their portfolio after Together delivered funding secured against part of their buy-to-let empire – in just seven days. The lender provided a second charge loan over 26 of their rental homes, worth £3.5 million, and owned by the high net worth customers, who run their property portfolio through a limited company structure. The three investors, two who are self-employed directors of the property business, wanted to keep their favourable interest rate on the current first charge buy-to-let mortgages on the portfolio of properties across the North of England, which they bought before the financial crisis of 2008. However, the customers wanted to unlock the equity they had built up over the past decade through a second charge loan, and wanted the deal to complete quickly so they could press ahead with adding to their...
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‘Staycation’ boom offering opportunities for holiday let investors

Landlords and property investors are taking notice of a growing trend of the Great British ‘staycation’, with a number of them looking to rent out holiday properties on a short-term basis. On the back of good weather last year – England and Wales had the warmest spring since records began in 1659 – the number of domestic trips increased by an estimated 4.7% to 58.5 million, according to new research, while expenditure is estimated to have risen by 6.2% to £14.1 billion. Fergal McGivney, senior travel analyst at Mintel, which produced the British Lifestyles report, has predicted a “slight reduction in the growth of overseas trips as some consumers opt for staycations” this year, because of the subdued growth in wages and continued Brexit uncertainty. Meanwhile, tourism chiefs at ABTA have reported that the Norfolk Broads, the West Country and the Cotswolds are proving to be popular destinations for domestic...
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‘Some say buy-to-let is dead – but my portfolio is built on strong foundations’

It’s been a tough few years for buy-to-let property investors. The latest wave of cuts to tax relief on landlords’ mortgage interest was ushered in this month and reports have been rife that landlords are exiting the buy-to-let sector in their droves. However, many believe the death of buy-to-let has been greatly exaggerated. Article provided by our finance expert - Together Money.  If you need any help with Commerical Funding, Bridging Finance or Development Finance please request more details here.  Analysis by research consultancy BDRC on behalf of specialist buy-to-let mortgage lender Together, revealed profitability remains high, with 86 per cent of landlords surveyed saying they were making money, while the average yield remained stable at 5.9 per cent. “We have seen a raft of changes over the past few years but, what is obvious is that there’s a continuing demand for buy-to-let investors looking to make gains in the long-term,”...
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