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Bridging Loans with Together Money: Flexible Funding for Your Property Needs

Bridging Loans with Together Money: Flexible Funding for Your Property Needs
For property investors, developers, and homeowners, bridging loans are a vital tool for addressing short-term financial gaps. Whether you’re purchasing a property at auction, completing renovations, or awaiting the sale of another property, Together Money provides tailored bridging finance solutions to help you achieve your goals.

This article explores Together Money’s bridging loans, including their key features, benefits, and application process, to help you determine if they’re the right choice for your next project.

Why Choose Together Money for Bridging Loans?

Together Money has built a reputation for its common-sense approach to lending, offering flexible solutions tailored to individual needs. Their bridging loans stand out due to:
  • Quick Funding: Ideal for time-sensitive transactions like auction purchases.
  • Flexible Terms: Customised loan agreements that suit various property strategies.
  • Inclusive Lending: Willingness to consider borrowers with imperfect credit histories or unique financial circumstances.

Whether you’re an investor, landlord, or developer, Together Money’s bridging loans provide the adaptability you need to seize opportunities.

Key Features of Together Money Bridging Loans

1. Loan Amounts

Together Money offers bridging loans tailored to your needs, with amounts based on the property value and purpose of the loan.

2. Loan Terms

Up to 12 Months: Perfect for short-term financing needs, with the flexibility to repay earlier without penalties.

3. Interest Rates

Monthly interest rates are competitive and vary based on the borrower’s profile and property type.

Choose between monthly interest payments or rolled-up interest, added to the loan balance and repaid at the end of the term.

4. Loan-to-Value (LTV)

Maximum LTV of up to 70%, allowing you to access substantial funds while retaining equity.

5. Property Types Supported

  • Residential properties.
  • Semi-commercial and commercial properties.
  • Land acquisitions and development projects.

6. No Early Repayment Charges

Together Money allows you to repay the loan early without incurring additional fees, helping you save on interest.

How to Apply for a Together Money Bridging Loan?

Step 1: Initial Consultation

Speak with Together Money’s lending experts to discuss your requirements and determine the most suitable loan option.

Step 2: Submit Your Application

Provide necessary documentation, including:

  • Details about the property to be financed.
  • Your financial background and credit history.
  • A clear exit strategy (e.g., refinancing or selling the property).

Step 3: Valuation and Assessment

Together Money will arrange for a property valuation to confirm its market value and suitability for the loan.

Step 4: Approval and Funding

Once approved, funds are typically released promptly, enabling you to proceed with your property purchase or project.

Example Scenarios for Using Together Money Bridging Loans

1. Auction Property Purchase

Scenario: A property investor wins a property at auction and needs £250,000 to complete the purchase within 28 days.

Solution: Together Money provides quick approval and funding, ensuring the investor meets the tight deadline.

2. Refurbishment and Resale

Scenario: A developer acquires a run-down property needing significant renovations before resale.

Solution: Together Money offers a 12-month bridging loan, giving the developer the funds to refurbish the property and sell it at a higher value.

3. Bridging a Property Sale

Scenario: A homeowner wants to purchase a new home but is waiting for their current property to sell. Solution: Together Money provides a bridging loan to cover the purchase, repaid once the current home is sold.

Why Together Money Stands Out?

Common-Sense Lending Approach: Unlike some lenders, Together Money evaluates each borrower’s unique circumstances, considering factors beyond credit scores.
Flexible Solutions for Complex Situations: Together Money accommodates a wide range of borrower profiles, including:
  • Individuals with adverse credit histories (e.g., CCJs or defaults).
  • Self-employed individuals or those with irregular income.
    • Quick Access to Funds: Time-sensitive projects, such as auction purchases, are supported by Together Money’s streamlined approval and funding process.

    Conclusion

    Together Money’s bridging loans provide property investors and developers with the flexibility and speed needed to capitalise on opportunities. Whether purchasing at auction, completing refurbishments, or managing a property chain, their tailored solutions ensure you have the financial support to succeed.

    Ready to fund your next project? Contact Auction Finance today to explore Together Money’s bridging loan options and find the right solution for your property needs.

    FAQs

    Q 1. Who can apply for a Together Money bridging loan?

    Ans: Together Money lends to individuals, landlords, investors, developers, and business owners, including those with imperfect credit histories.

    Ans: Together Money offers bridging loans with terms of up to 12 months.

    Ans: An exit strategy is a plan for repaying the loan, such as refinancing onto a long-term mortgage or selling the property.

    Ans: Yes, Together Money allows early repayment without penalties, potentially saving you interest costs.

    Ans: Fees for valuation, arrangement, and legal services may apply, but they can often be added to the loan balance.

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