Introduction to Together Money

Together Money is a premier UK-based specialist lender and financial services provider headquartered in Cheadle, Greater Manchester. Established in 1974, the company has grown into a market leader in secured loans, bridging finance, buy-to-let mortgages, and commercial lending. With over £6 billion in assets under management and a workforce of more than 2,000 employees, Together Money serves a diverse client base ranging from individual homeowners to large-scale property developers. The company’s reputation for flexible, customer-centric lending solutions has earned it numerous industry accolades, including ‘Best Specialist Lender’ at the Mortgage Finance Awards. As a privately owned entity backed by long-term institutional investors, Together Money maintains a strong capital position and a risk-aware culture that sets it apart in the competitive financial landscape. The company profile of Together Money reflects a commitment to innovation, responsible lending, and community support, making it a trusted partner for borrowers and investors alike. Organizations across the UK rely on Together Money for bespoke financing solutions that address complex credit scenarios, property investment strategies, and business growth objectives. This comprehensive Together Money company overview highlights why it is recognized as a top finance company and a leader in the specialist lending sector.

Company History and Business Evolution

The story of Together Money began in 1974 when founder Michael O’Flynn established a small mortgage brokerage in Manchester. Initially focused on residential mortgages, the firm quickly identified a gap in the market for lending to individuals with non-standard income sources or credit histories. In 1995, the company launched its first secured loan product, marking a pivotal shift towards specialist lending. Throughout the 2000s, Together Money expanded aggressively through strategic acquisitions, including the purchase of Unity Homeloans in 2007 and the acquisition of the entire residential mortgage book of Bank of Ireland UK in 2014. The company rebranded from ‘Together’ to ‘Together Money’ in 2018 to reflect its broader financial services offering. Key milestones include: achieving a £1 billion loan book milestone in 2012, launching the first fixed-rate buy-to-let mortgage in 2016, and securing a £200 million funding line from a global asset manager in 2020. The company has also invested heavily in technology, developing its proprietary ‘Lending Hub’ platform to streamline underwriting and customer onboarding. Today, Together Money operates through multiple channels: direct-to-consumer, intermediary partnerships, and a growing digital platform. The company’s evolution from a niche broker to a full-spectrum specialist lender exemplifies resilience and adaptability in the ever-changing financial services industry.

Together Money at a Glance

• Headquarters: Cheadle, Greater Manchester, UK
• Founded: 1974
• CEO: Andrew Charnley (appointed 2022)
• Revenue: £350 million (FY 2023)
• Employees: 2,100+
• Assets Under Management: £6.2 billion
• Core Products: Secured loans, bridging finance, buy-to-let mortgages, commercial mortgages
• Key Markets: UK residential and commercial property sectors
• Accreditations: FCA regulated, member of the Financial Ombudsman Service
• Awards: Best Specialist Lender (Mortgage Finance Awards 2023), Property Lender of the Year (Business Moneyfacts Awards 2022)
• Funding Sources: Retail deposits, institutional investors, securitisation programmes
• Digital Platform: ‘Lending Hub’ for online applications and real-time tracking
• Corporate Structure: Privately owned (majority held by founders and management)
• Customer Base: Over 100,000 active borrowers
• Social Impact: Community finance initiatives, support for affordable housing charities
• ESG Commitment: Carbon neutral operations since 2021, sustainability-linked lending products
• Risk Rating: Moody’s Baa2 (investment grade)
• Intermediary Network: 5,000+ active brokers and financial advisors
• Innovation: AI-powered credit scoring system (launched 2023)
• International Presence: Lending limited to UK, but funding sourced globally

Mission, Vision, and Core Corporate Values

Together Money’s mission is to ‘unlock the potential of property finance by providing flexible, responsible lending solutions that help individuals and businesses achieve their goals.’ The vision extends to becoming the most trusted specialist lender in the UK, known for straightforward processes, fair rates, and human-centred service. Core values drive every decision: Integrity – ensuring transparent terms and ethical lending practices; Innovation – continuously improving products and digital experiences; Collaboration – working closely with brokers, borrowers, and partners; Responsibility – balancing commercial growth with social and environmental impact. These values are embedded in employee training, performance metrics, and customer communications. The company regularly surveys staff and customers to ensure alignment with these principles.

Business Strategy and Future Roadmap

Together Money’s strategy centres on three pillars: 1) Product Expansion – launching new secured loan variants, including green home improvement loans and flexi-rent products for landlords; 2) Digital Transformation – automating underwriting decisions to reduce processing times from days to minutes; 3) Customer Experience – personalising offers using predictive analytics and providing a single-view dashboard for borrowers. The roadmap for 2025–2028 includes: entering the unsecured lending market through a new consumer credit brand, expanding into Northern Ireland and Scotland, and deploying a mobile app for real-time loan management. The company also aims to achieve a 30% loan book growth target while maintaining non-performing loan ratios below 2%. Funding strategy diversifies through green bonds and retail savings products. Together Money invests heavily in regulatory technology to stay ahead of FCA requirements.

Products, Technologies, and Services

Together Money offers a comprehensive suite of lending products tailored to underserved segments: Secured Loans – from £5,000 to £500,000 for home improvements, debt consolidation, or business purposes; Bridging Finance – short-term loans for property purchases, auction completions, or refurbishments, with terms from 1 to 24 months; Buy-to-Let Mortgages – fixed and variable rates for single properties and portfolios, including limited company structures; Commercial Mortgages – for offices, retail units, industrial spaces, and mixed-use developments up to £15 million. Technology underpins delivery: the proprietary Lending Hub platform uses machine learning algorithms to pre-approve applications in under 60 seconds. Borrowers can upload documents, track progress, and e-sign agreements entirely online. The company also offers a broker portal with commission tracking, training modules, and live chat support. In 2023, Together Money launched an open banking integration that allows real-time income verification, reducing fraud risk and improving approval speed. Services extend beyond lending: the customer support team provides financial health checks, debt advice signposting, and portfolio optimisation for landlords.

Industries and Markets Served

Together Money primarily serves the property sector, including residential, commercial, and mixed-use real estate. Key customer segments: first-time buyers with non-standard income, self-employed professionals, landlords expanding portfolios, property developers seeking bridging facilities, and SMEs requiring commercial mortgages. The company also caters to specialist situations such as auction purchases, probate property finance, and homes with unusual construction types (e.g., timber frame, thatched). While most lending is secured against UK property, Together Money finances overseas investors buying British real estate. The company does not offer unsecured loans, credit cards, or standard personal mortgages, focusing narrowly on its core expertise. This targeted approach yields high customer satisfaction and repeat business, with 85% of new borrowers coming from recommendations or repeat applications.

Leadership and Management Philosophy

The leadership team at Together Money combines deep industry experience with a flat, accessible culture. CEO Andrew Charnley previously served as CFO, bringing a numbers-driven yet customer-centric perspective. The board includes representatives from private equity firms and independent directors with expertise in risk, regulation, and fintech. Management philosophy centres on ‘empowered decision-making’ – frontline staff are trained to assess credit applications within flexible guidelines rather than rigid scorecards. Monthly town halls keep everyone aligned with strategic priorities, and an open-door policy encourages direct communication. The company invests in leadership development, offering external coaching and rotational assignments across departments. Diversity and inclusion are measured via a published gender pay gap report (currently 15% median, improving year-on-year) and a partnership with Women in Finance.

Corporate Events, Conferences, and Community Engagement

Together Money regularly participates in major industry events: the Mortgage Finance Conference, the Specialist Lending Expo, and the Property Investor Show. In 2023, the company hosted its own ‘Together Summit’ in Manchester, attracting 1,200 brokers and investors for networking, product launches, and market insights. Community engagement is a core pillar: the Together Foundation, funded by 1% of annual profits, supports charities focused on housing stability, financial literacy, and digital inclusion. Employees volunteer up to two paid days per year for local causes, such as building homes with Habitat for Humanity or mentoring young people in money management. The company also sponsors regional football clubs and arts programmes in Greater Manchester.

Employees and Workplace Culture

Together Money employs over 2,100 people across offices in Cheadle (headquarters), London, and Glasgow. Culture is described as ‘supportive but high-performance’ – average tenure is 5.5 years, significantly above the financial services average. The company offers hybrid working (minimum two days in office), enhanced parental leave (26 weeks fully paid for both parents), a generous pension scheme (up to 10% employer contribution), and health benefits including dental and mental health support. Employee resource groups cover LGBTQ+, mental wellness, and carers. Quarterly innovation challenges award prizes for process improvement ideas. Training and development are prioritised: all staff complete annual compliance modules plus optional courses in data analytics, customer psychology, or fintech trends. Internal promotion rate exceeds 40% for management roles.

Job Details & Requirements for this Posting

Senior Financial Analyst – Corporate Finance

We are looking for an experienced financial analyst to join our Corporate Finance team based in Cheadle. This role will support strategic decision-making through financial modelling, budgeting, forecasting, and variance analysis. You will work closely with the CFO, business development, and product teams to evaluate investment opportunities, pricing strategies, and cost optimisation initiatives.

Key Responsibilities:

• Develop and maintain complex financial models to support business planning and M&A activity.
• Prepare monthly management accounts, board reports, and investor presentations.
• Conduct competitor analysis and market intelligence to inform lending strategies.
• Monitor loan book performance, credit risk metrics, and capital adequacy ratios.
• Assist in the preparation of annual budgets and rolling forecasts.
• Collaborate with IT to automate reporting dashboards using Power BI and SQL.
• Support ad-hoc projects including regulatory submissions and new product pricing.

Qualifications & Experience:

• Qualified accountant (ACA, ACCA, CIMA, or equivalent) with 3–5 years post-qualification experience.
• Proven expertise in financial modelling (Excel, VBA, Python preferred).
• Strong knowledge of financial services regulation (FCA, PRA) and UK lending products.
• Exceptional analytical and communication skills, with experience presenting to senior leadership.
• Ability to work in a fast-paced, high-growth environment.

Why Join Together Money? You will be part of a forward-thinking lender with a strong balance sheet and ambitious growth plans. Benefits include a competitive bonus, 25 days holiday plus bank holidays, private healthcare, gym subsidy, and ongoing professional development support. Cheadle office offers free parking, a subsidised canteen, and a collaborative open-plan environment.

Customer Reviews and Industry Reputation

Together Money enjoys a strong reputation across multiple review platforms, consistently rated among the top specialist lenders in the UK. Below is an exhaustive breakdown of feedback from key channels:

GLASSDOOR

On Glassdoor, Together Money holds a 4.2 out of 5 rating based on over 300 employee reviews. Employees praise the collaborative culture, flexible working arrangements, and strong leadership. Common positives include ‘genuine care for employee wellbeing’ and ‘opportunities to grow without moving companies.’ Negative comments occasionally mention high workload during peak periods and bureaucracy in some legacy processes. The company actively responds to reviews, addressing concerns about IT systems and internal communication.

INDEED

Indeed reviews mirror Glassdoor sentiments, with a 4.0 average. Many emphasise the supportive management and generous benefits package. Noted strengths: clear career progression paths, annual bonus transparency, and a sociable atmosphere. Critiques centre on office politics in certain departments and limited remote flexibility for some roles. Overall, 87% of reviewers would recommend Together Money to a friend.

GARTNER PEER INSIGHTS

As a lender rather than a software vendor, Together Money appears on Gartner Peer Insights in the ‘Commercial Mortgage Lenders’ category, earning a 4.5/5 rating. Borrowers highlight speed of decision-making, fair valuations, and knowledgeable account managers. Some caution about higher interest rates compared to high-street banks, but most acknowledge the trade-off for accessibility.

TRUSTPILOT

Together Money has a Trustpilot score of 4.6 out of 5, with over 1,200 reviews. Many customers share positive experiences of receiving funds within 48 hours for bridging loans and helpful customer service during complex applications. Negative reviews (about 5%) cite delays in legal processes or issues with early repayment charges. The company responds to all reviews, offering to escalate persistent problems.

G2

G2 reviews focus on Together Money’s digital platform for brokers. Rated 4.4/5, brokers praise the intuitive interface, quick pre-approval notifications, and transparent commission statements. Some request additional product types and better integration with property valuation providers. The product team actively uses G2 feedback to prioritise improvements.

GOOGLE REVIEWS

Google Maps reviews for the Cheadle office average 4.3 stars. Staff appreciate the modern building, on-site facilities, and location. Customers leaving reviews mention helpful phone support and efficient online applications. A small number of complaints about long hold times during peak periods have been addressed by hiring additional call centre staff.

LINKEDIN REPUTATION

Together Money has over 50,000 followers on LinkedIn, regularly posting about product innovations, community work, and job openings. Employee advocacy is high, with many sharing company content. The company’s LinkedIn rating (based on aggregated employee reviews) stands at 4.1. Alumni frequently note that the company provided excellent training that advanced their careers.

Overall, Together Money ranks as a ‘Top Rated’ lender on independent comparison sites, with a Net Promoter Score (NPS) of +67, well above the financial services average. The company’s commitment to transparency and customer care is evident in its proactive review management and continuous improvement initiatives.

Why Organizations Choose Together Money

Businesses and intermediaries select Together Money for several distinct advantages: Speed – bridging loans can complete in as little as 48 hours; Flexibility – underwriting considers individual circumstances rather than a one-size-fits-all scorecard; Reliability – the company has never withdrawn from a live application without a valid reason; Partnership – brokers have dedicated relationship managers and access to in-house training; Stability – backed by institutional investors and a strong capital base, Together Money continues lending even during market downturns. These factors combine to make Together Money the preferred lender for complex cases and time-sensitive purchases.

Official Contact Information

For inquiries and assistance, please reach out to Together Money using the following contact details:

Together Financial Services Limited, Lake View, Lakeside Drive, Cheadle, Cheshire, SK8 3GW, United Kingdom
Contact Number: +44 (0)161 356 5000
Support Number: +44 (0)161 356 5000
Helpdesk Number: +44 (0)161 356 5000
Website: www.togethermoney.com

Official Social Media Presence

• LinkedIn: https://www.linkedin.com/company/togethermoney
• Twitter/X: @TogetherMoneyUK
• Facebook: https://www.facebook.com/TogetherMoneyUK
• Instagram: @togethermoneyuk
• YouTube: Together Money Channel

SEO FAQ Section

Together Money specialises in secured loans, bridging finance, buy-to-let mortgages, and commercial mortgages for UK property investors and homeowners.

Most applications receive a decision within 24 hours, and bridging loans can be approved in as little as 48 hours subject to documentation.

Together Money is a specialist lender authorised and regulated by the FCA, but it is not a retail bank; it does not offer current accounts or savings accounts to the public.

Yes, Together Money welcomes applications from self-employed borrowers, including contractors and limited company directors, using non-standard income verification methods.

Absolutely. Together Money offers bridging finance specifically for auction purchases, with fast completion to meet 28-day deadlines.

The minimum secured loan is £5,000, bridging loans start at £25,000, and buy-to-let mortgages from £50,000.

Early repayment charges may apply depending on the product. Detailed terms are provided in the offer documentation.

Together Money considers applicants with adverse credit, such as defaults or late payments, on a case-by-case basis, provided the loan is secured by suitable property.

Yes, Together Money can lend on properties with non-standard construction or minor structural issues, subject to a valuation report.

You can reach customer services by phone at +44 (0)161 356 5000 or via the contact form on their website.

Yes, Together Money is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 311654.

Yes, Together Money offers buy-to-let mortgages through limited company structures, including special purpose vehicles (SPVs).

Secured loans are available up to 85% LTV for residential properties and up to 70% LTV for commercial or buy-to-let properties.

Together Money is developing a mobile app for loan management; currently, customers can access their accounts via the online portal.

Overpayments are permitted on most products up to 10% of the outstanding balance per year without penalty; terms vary by product.

The company accepts residential, commercial, semi-commercial, and mixed-use properties across England, Wales, Scotland, and Northern Ireland.

Yes, Together Money considers non-UK residents who wish to purchase UK property, subject to additional due diligence and currency requirements.

Assessments combine automated credit scoring, income verification via open banking, and manual underwriting focused on affordability and security value.

No upfront application fees are charged; however, valuation and legal fees may apply upon acceptance of a formal offer.

Through the Together Foundation, the company supports housing charities and financial literacy programmes, but does not directly offer grants to individuals.

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