Together successfully prices fourth commercial real estate MBS

• £380.4m small balance commercial real estate MBS
• 95% Advance Rate
• 82.0% of issued notes expected to be rated AAA(sf) by S&P and AAA(sf) by DBRS

Together Financial Services Limited (“Together” or the “Group”), one of the UK’s leading non-bank
relationship lenders, is pleased to announce the successful pricing of its fourth public small balance
commercial real estate mortgage backed securitisation (“CRE MBS”), Together Asset Backed
Securitisation 2023 – CRE1 plc (“CRE4”).

Gerald Grimes, Group CEO Designate of Together commented: “We are delighted to announce the
successful pricing of our fourth small balance commercial real estate MBS. The £380.4 million CRE4
facility provides additional headroom as we further increase our support for UK SMEs and continue to
shape our business for an exciting future.”

Gary Beckett, Group Managing Director and Chief Treasury Officer at Together, added: “Since
January 2023, we have successfully added over £1.4bn in funding to support our growth ambitions,
highlighting the strength of our business model, quality of our loan book and strong ongoing support
from our investors.”

CRE4 is supported by a portfolio of first and second charge mortgages (97.8% first charge) secured
against small value commercial, residential and mixed use properties located in England, Wales and
Scotland, with 31.3% of the underlying borrowers being self-employed. CRE4 complements the
Group’s existing nine public mortgage backed securitisations, six private securitisations, senior
secured notes and revolving credit facility.

Citibank and Standard Chartered acted as Co-Arrangers and Joint Lead Managers.