Together cuts rates across bridging and first charge products

Specialist lender Together has cut rates across part of its short-term and first charge product ranges, with the changes taking effect from 22 May 2026.

On the bridging side, Together has reduced rates by 2bps across selected unregulated products, with the adjustments targeting affordability at lower loan-to-value (LTV) bandings for loans above £100,000. Headline rates for unregulated bridging now start from 0.83%.

The short-term product is available on loans between £26,000 and £5m. Qualifying cases include dual solicitor representation to support faster completions, and 100% funding is available where additional security is in place. The product covers residential, commercial, and semi-commercial property types, with options also available for expats and non-UK residents.

Together has also reduced rates on its regulated first charge retention range for existing customers. The two-year fixed rate at less than 65% LTV has been cut by 55bps to 7.85%, while the five-year fixed rate has been reduced by 24bps to 7.75%.

The lender says the changes reflect movements in swap rates alongside its aim to maintain a competitive position in the specialist lending market.

Tanya Elmaz, managing director of intermediary sales at Together (pictured), said: "In a market where certainty, speed and flexibility are key, these latest changes demonstrate our ongoing commitment to supporting brokers and their clients." 

"By reducing rates across both our unregulated bridging and regulated first charge retention products, we're improving affordability and ensuring our offering remains competitive and relevant. Our focus remains on being a dependable long-term partner, providing clear pricing, flexible lending and the confidence brokers need to deliver the best possible outcomes for their customers."