How Together for Intermediaries supports UK brokers with complex cases

Together for intermediaries is a specialist lending platform built for cases that don’t fit mainstream criteria. It covers mortgages, bridging finance, buy-to-let and commercial loans — all assessed by professional underwriters.

In this guide, find out more about Together for intermediaries – its products, criteria, and tools you need to know before placing a case.

Who is Together for intermediaries built for?

Together for intermediaries is a specialist lender with more than 50 years of lending history. It’s authorised for specific activities and product types by the Financial Conduct Authority (FCA). Together lends across England, Wales and Scotland.

Here’s what brokers need to know about this Cheshire-based lender:

A lender built for complex cases

Together for intermediaries is a specialist lender for cases that don’t fit mainstream criteria, such as:

• clients with adverse credit
• clients with self-employed income
• buyers looking at non-standard properties

It’s open to brokers, packagers, and intermediaries of all sizes. You can submit as a direct packager or as a member of Together’s registered networks and clubs.

How Together assesses applications

Every application is assessed by a professional underwriter. That means decisions are based on the full picture — income, credit history, property type and circumstances — rather than a credit score alone.

This is worth knowing when you’re considering whether to place a case. A client who’d be declined elsewhere may still be viable at Together, if the lending criteria are met and the property stacks up as security.

Regulated products available through Together for intermediaries

Together’s regulated range covers four main products, with each one designed for a specific client requirement:

1. regulated first charge mortgages
2. regulated bridging finance
3. consumer buy-to-let mortgages
4. regulated second charge mortgages

Let’s take a closer look at each:

1. Regulated first charge mortgages

Together’s residential mortgages support these types of clients:

• first-time buyers
• home movers
• remortgages
• shared ownership
• Right to Buy

Here are some key details:

Source: Together for Intermediaries

Income from up to four applicants can be considered per case, and one year’s trading history is accepted for self-employed clients.

Together accepts a wide range of property types, including high-rise flats, ex-council homes, non-standard construction and unusual conversions.

2. Regulated bridging finance

Together’s regulated bridging loans cover chain breaks, downsizing, auction purchases and pre-sale improvements. Some key information:

Source: Together for Intermediaries

Both first and second charge options are available, and cross-charge borrowing is accepted. No affordability assessment is required.

3. Consumer buy-to-let mortgages

Together’s regulated consumer buy-to-let product is designed for accidental landlords. That means clients who have inherited a property, relocated or become landlords without planning to. Here’s basic information on this product:

Source: Together for Intermediaries

Repayment terms run from six to 30 years. No previous landlord experience is required, and eligible expatriate borrowers can be considered.

4. Regulated second charge mortgages

Together’s regulated second charge mortgage product lets clients access equity in their property without disturbing an existing mortgage. It’s typically used for home improvements or debt consolidation. Here are key details:

Source: Together for Intermediaries

Together also allows ‘consent to follow’ on second charge mortgages, resulting in a more efficient underwriting process.

Together for intermediaries: service levels agreements

When choosing a lender for your clients, it’s important to know how quickly they can deliver. Together publishes its SLAs so brokers can plan their pipeline. Current turnaround targets as of May 2026 are:

Source: Together for Intermediaries

Key lending criteria brokers need to know

Before placing a case, it’s worth knowing where Together stands on the criteria that matter to specialist lenders: credit history, income, property type and IVAs.

Credit history

Together looks at credit history rather than credit scores. For bridging cases, adverse credit older than 12 months can be set aside when calculating the client’s rate.

Self-employed applicants

One year’s trading history is accepted across first charge and second charge products. That’s a clear advantage for clients who can’t meet the two-year requirement common at high street lenders.

Income

Together accepts income from up to four applicants on a first charge case. Bonuses, overtime and benefit income can be included where they form part of regular earnings.

Property types

Together considers a variety of property types:

• standard residential properties
• HMOs
• ex-council properties
• multi-unit freehold blocks
• properties with defective titles
• commercial and residential properties
• semi-commercial properties

A full criteria guide is downloadable from packager product guides hub on the Together for intermediaries portal.

IVA criteria

Satisfied IVAs are now accepted on regulated second charge applications. Active IVAs can be considered by referral. There must be at least three years’ payment history, and the loan must repay the IVA in full.

Self-employed income verification

For regulated products, Together now needs just one month’s business bank statement alongside SA302s and tax overviews. That means less admin and faster decisions.

Premier for Intermediaries for cases over £1m

Together for intermediaries has a dedicated service for high-value cases: Premier for Intermediaries. This concierge-type service covers loans over £1 million across the full product range.

Brokers using Together’s Premier for Intermediaries service get:

• bespoke underwriting for complex income structures and foreign nationals
• direct access to decision-makers who can join broker and client calls
• pre-submission case structuring and dedicated case clinics
• proactive communication throughout the full case lifecycle

On regulated products, clients can borrow up to £3 million. On unregulated products, the ceiling is £5 million. Larger amounts are available on referral.

Broker tools and product guides

Together for intermediaries has built a solid set of resources for brokers:

• My Broker Venue (MBV) — The main submission and case management portal for brokers and intermediaries. It includes an online calculator, product quote engine and application referral guide
• Networks and Clubs portal — A dedicated portal for network and club members. It covers BTL, consumer BTL and residential mortgage applications, with a product quote engine and online application tools
• Packager product guides — A hub of downloadable PDFs covering criteria, submission checklists, income indexes, and fee scales. Separate guides are available for packagers and for network or club members
• EPC Hub for intermediaries — a free resource covering EPCs for brokers, with an intermediary-specific FAQ section. It also features access to EPC Builder, a tool that helps clients check their rating and plan improvements

These resources are free and available online for quick and easy access for intermediaries, wherever you are.

Broker academy and team support

Together for intermediaries launched a dedicated broker onboarding academy in September 2025. It’s designed to help new broker partners get up to speed quickly with Together’s products, criteria and submission process.

What the broker academy covers

The academy provides structured training sessions for brokers who are new to placing business with Together. Sessions focus on effective case packaging and submission — the two areas where early mistakes most often slow down an application.

Brokers who complete the training earn Continuing Professional Development (CPD) hours towards their professional certifications. That makes it a practical use of time beyond just learning Together’s criteria.

The academy is managed by Together’s intermediaries team, who handle the full onboarding process for new brokers. The same team fields nearly 5,000 broker calls each month across eight products in two markets.

Educational webinars and ongoing support

Alongside the academy, Together runs educational webinars for brokers on specific topics. Recent sessions have covered these topics:

• portfolio diversification
• commercial and semi-commercial mortgages
• solutions for clients looking to start or grow a trading business

Webinars are led by members of Together’s senior intermediaries team. They’re designed to help brokers understand how Together’s criteria apply to complex cases — not just introduce the product range.

Here’s a fireside chat hosted by Michelle Walsh, head of intermediary sales at Together and one of the UK’s best women mortgage leaders:

Is Together for intermediaries right for your next case?

Together for intermediaries works best when a client falls outside the standard lending box. That could mean adverse credit, a self-employed profile, or a non-standard property. It could also mean a high-net-worth borrower needing a bespoke loan over £1 million through Premier for Intermediaries.

The combination of experienced underwriters, a broad product range and practical broker tools makes Together for intermediaries a strong option for specialist cases.

Every client is different. It’s worth comparing options before recommending a lender. Here are other intermediary guides worth exploring:

• Foundation for intermediaries
• Newbury for intermediaries
• NatWest for intermediaries
• Aldermore for intermediaries
• Precise for intermediaries

Go through our guides section for more lender options.