Together
The Cheshire-based specialist lender's regulated personal lending arm, offering secured loans, consumer buy-to-let and bridging. It is part of the Together group, which reported a loan book of £8.5bn in September 2026.
Checked against its sources on · Public records, not a recommendation
Who the lender is
- Lending company
- Together Personal Finance Limited
- Companies House
- 02613335
- FCA status
- Authorised since 31 October 2004 · FRN 305253
- Incorporated
- 22 May 1991
- Registered office
- Lake View, Lakeside, Cheadle, Cheshire SK8 3GW
- Website
- togethermoney.com
- Ownership
- Together Financial Services Limited (02939389) → Bracken Midco 2 Limited → Bracken Midco1 PLC
What the accounts show
Figures as filed at Companies House, in pounds. Changes compare the latest year with the year before.
| Item | 30 Jun 2025 | 30 Jun 2024 | Change | Where |
|---|---|---|---|---|
| Loans and advances to customers, net | £1,468,000,000 | £1,388,800,000 | +5.7% | PDF page 34 (statement of financial position). Reported to the nearest £0.1m |
| Credit-impaired loans (stage 3), gross | £124,500,000 | £96,000,000 | +29.7% | PDF page 43 (note 7). 8.5% of gross loans (2024: 6.9%) |
| Expected credit loss allowance | £5,100,000 | £4,800,000 | +6.3% | PDF page 43 (note 7) |
| New lending | £549,500,000 | £408,100,000 | +34.6% | PDF page 5 (strategic report) |
| Interest income | £125,200,000 | £112,700,000 | +11.1% | PDF page 33 (statement of comprehensive income) |
| Interest expense | £77,600,000 | £73,800,000 | +5.1% | PDF page 33 |
| Impairment charge | £1,700,000 | £300,000 | +466.7% | PDF page 33 |
| Profit before tax | £12,900,000 | £9,400,000 | — | PDF page 33 |
| Total equity | £121,800,000 | £109,000,000 | — | PDF page 34 |
Source: Annual report, filed 3 October 2025. Figures from the pages shown.
Financial Ombudsman decisions
The Ombudsman has published 14 final decisions about Together Personal Finance Limited between 1 January 2023 and 20 October 2026. 2 were upheld in the customer’s favour, in whole or in part.
This counts decisions, not complaints. Most complaints are resolved by the lender or at an earlier stage, and the number of decisions reflects the size and age of a lender’s book as well as how it treats customers.
| Theme | Decisions | Upheld |
|---|---|---|
| Account administration | 3 | 0 |
| Affordability | 2 | 1 |
| Arrears and legal action | 2 | 1 |
| Vulnerability and fraud | 2 | 0 |
| Credit file reporting | 1 | 0 |
| Financial difficulty | 1 | 0 |
| Interest rate | 1 | 0 |
| Product switch | 1 | 0 |
| Redemption charges | 1 | 0 |
Source: Financial Ombudsman Service decisions database. Themes assigned by the Secured Loan Index from each decision's summary of the complaint.
| Decision | Date | Theme | Outcome |
|---|---|---|---|
| DRN-6344968 | 27 Aug 2026 | Financial difficulty | Not upheld |
| DRN-6360950 | 21 Jul 2026 | Arrears and legal action | Upheld |
| DRN-6039314 | 22 Dec 2025 | Product switch | Not upheld |
| DRN-5899523 | 22 Oct 2025 | Affordability | Not upheld |
| DRN-5321470 | 4 Apr 2025 | Redemption charges | Not upheld |
| DRN-5033570 | 27 Sep 2024 | Vulnerability and fraud | Not upheld |
| DRN-4697464 | 25 Mar 2024 | Affordability | Upheld |
| DRN-4649702 | 24 Mar 2024 | Vulnerability and fraud | Not upheld |
| DRN-4651014 | 28 Feb 2024 | Credit file reporting | Not upheld |
| DRN-4514874 | 8 Jan 2024 | Interest rate | Not upheld |
| DRN-4283388 | 4 Sep 2023 | Account administration | Not upheld |
| DRN-4058177 | 4 Sep 2023 | Account administration | Not upheld |
| DRN-4038235 | 11 Jul 2023 | Arrears and legal action | Not upheld |
| DRN-4001781 | 10 Mar 2023 | Account administration | Not upheld |
Source: Financial Ombudsman Service. Dates as shown in its decisions database. Searched 20 October 2026.
Published complaint figures
Together does not appear in the FCA's firm-level complaints data for the second half of 2025, which lists only firms reporting 500 or more complaints in the half-year.
It does not appear in the Ombudsman's latest published complaint figures for individual businesses (July 2025 to March 2026), which cover businesses with at least 45 complaints received and resolved in the period.
Funding and recent changes
Group results for the year to 30 June 2026 reported a loan book of £8.5bn and group arrears of 4.3% (2025: 5.5%). Source
Introduced 'consent to follow', allowing a conditional second-charge offer while only the first-charge lender's consent is outstanding. Source
Cut its minimum second-charge loan from £30,000 to £20,000 and its arrangement fee from £1,495 to £995. Source