Together have been lending for over 40 years, and one thing has never changed: their commitment to common sense, not common practice.

If a case involves an unusual property or purchase, or the client has complex income or imperfect credit, you might be able to place it with the usual suspects. But when two or more of these complicating factors are in place, Together are there to make your life easier.

Unlike some other lenders, they don’t rely entirely on tickbox criteria to make lending decisions. Instead, they consider customers’ needs and circumstances on a case-by-case basis – and the final decision is always made by a professional underwriter, not a computer.

Proc Fees

Product Gross Net
Bridging 1% 0.90%
Buy to Let 0.60% 0.55%
Residential 0.60% 0.55%
Product Type When does the lender pay PMS? Frequency
All Within 7 days Weekly

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  

A range of products

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Register to place business with Together:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.

  • Residential mortgages – on a first- and second-charge basis, for first-time buyers and home movers alike. Includes large loans, and remortgages on unencumbered properties.
  • Buy-to-let mortgages – for everyone from accidental landlords and first-time investors, to professionals with extensive portfolios.
  • Bridging loans – on residential property – to repair a broken chain, release capital, or for any other reason.

An open mind

Talk to Together if your client is:

  • Already retired, or retiring before paying off their mortgage.
  • Self-employed, has complex income, or on a zero-hour contract.
  • Relying on bonuses, overtime, and benefits for affordability.
  • Affected by adverse credit events.
  • New to the UK, with little or no credit history.
  • Buying through Right to Buy or a Shared Ownership scheme, or at auction.
  • Being gifted a deposit or equity.

Or if the property is:

  • Ex-council.
  • High-rise.
  • Of non-standard construction (e.g. concrete, or steel- or timber-framed).
  • An unusual conversion.
  • A self-build (with the relevant guarantees).
  • Defective, or in need of major renovation (i.e. Japanese knotweed, uninhabitable, fire-damaged, etc.)

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