"By reducing unregulated bridging rates, we're removing complexity, improving affordability and helping brokers deliver confident outcomes"
- Tanya Elmaz - Together
Together has cut rates by 0.05% across part of its unregulated bridging range, effective 8th May 2026, with the reductions aimed at improving affordability for borrowers operating at higher loan-to-value levels.
The specialist property lender's unregulated bridging products are available on loans from £26,000 to £5m, spanning residential, commercial and semi-commercial property types. Lower rates are available for expats and non-UK residents, and dual solicitor representation is included on qualifying cases to speed up the application process. Where additional security is provided, 100% funding is available.
Following the changes, first charge headline rates now start from 0.90% per month for unregulated residential bridging, 1.04% for semi-commercial and 1.08% for commercial. On second charge products, rates now open at 1.08% for unregulated residential, 1.06% for semi-commercial and 1.10% for commercial.
"In a market where certainty and speed matter more than ever, these changes reflect our commitment to listening to brokers and responding decisively," said Tanya Elmaz, managing director of intermediary sales at Together.
"By reducing unregulated bridging rates, we're removing complexity, improving affordability and helping brokers deliver confident outcomes. Our focus at Together remains on being a dependable long-term partner, combining clear pricing, flexible lending and the certainty of completion brokers, investors, and landlords need from today's specialist lenders."
The rate reductions follow a broader trend among specialist lenders responding to broker feedback on pricing at higher LTVs, where affordability constraints have increasingly shaped deal viability in the short-term lending market.
