Your trusted finance partner for high-value borrowing.

With Danielle Potter, Business Development Director at Together

“I’ve worked in the financial services and relationship banking industry for almost a decade, and I’ve recently joined Together as a Business Development Director. We’re a trusted finance partner for many advisors and professional introducers around the UK, and I regularly work alongside them to help their clients achieve their growth ambitions and seize property acquisition opportunities.

“Many of the customers we provide common sense lending for are increasingly seeking high-value borrowing, often multi-million pound loans, which could be for a number of reasons:

“Firstly, house prices have surged and the latest research by Savills has revealed one in 42 homes across Britain are worth more than £1 million – a 22% increase since the end of 2020.

“We’re also seeing more clients looking to refinance their commercial properties or buy-to-let portfolio to get more equity out of their existing assets.

“Furthermore, there’s been a rise in development and renovation activity, and clients typically require larger loans to complete their projects in the current climate.

“Choosing the right lender is always important, but when you’re dealing with large projects such as these, knowing you’ve got dedicated support and fast, reliable finance options at your disposal becomes even more essential.

“As an experienced property lender with a team of experts operating nationwide, we pride ourselves on building long-standing relationships with our customers and the people who introduce them to us.

“We have strong funding lines available and a consistent track record for delivering multi-million pound cases in short timescales, so we’ve become a first port of call for high-value borrowing. In June this year alone, we lent £304.1m and provided more than 390 commercial bridging loans – a number of which were in excess of £5m and £10m.

“Despite these cases often being more complex in nature, the largest loans we underwrite benefit from the same speed and service as any other. That’s down to our common sense approach to lending, as well as our strong network of trusted valuers and solicitors who can action things quickly.

“Our partners and their clients regularly tell us they value our ability to give them certainty. Our experienced team of decision-makers are always accessible, willing and ready to have an open and frank conversation. Where there are additional complexities in place – such as a unique income profile or unusual property purchases – we’ll work closely with our professional partners to understand their client’s personal circumstances, so we can provide a straightforward decision and the right outcome.

“Furthermore, projects requiring significant sums, particularly development and refurbishment schemes, often encompass many different stages, and a client’s finance needs may change as the work progresses. We can offer an easy transition between products with a range of refinance and exit options, including bridging loans, commercial term and buy-to-let mortgages.

“Finally, it’s important to work with a lender who values transparent, life-long working relationships. Even if we aren’t going to transact on day or even year one, we’re invested in people and businesses who share our passion for property and our ethos for making things happen; we’ll take the time to understand our clients and build connections for the future, so we can be here and ready to lend with confidence when these customers have identified a great opportunity.”