Information Security Manager

Together launches lower-rate portfolio lending proposition for larger buy-to-let landlords. Published on 14 July 2026 Together has introduced a new lower-rate lending proposition for portfolio landlords seeking more than £1 million in finance, as demand grows for structured funding solutions across larger buy-to-let portfolios. The specialist lender said the new proposition is aimed at landlords with two or more properties who are looking to restructure borrowing as they adapt to a changing buy-to-let market. The launch comes as landlords continue to contend with higher interest rates, increased tax pressures and the impact of the Renters' Rights Act, prompting many to review how their portfolios are financed. Available on loans of more than £1 million, the proposition offers lower rates than Together's standard buy-to-let products, with first charge two-year fixed rates starting from 4.69%. Under the new structure, landlords benefit from a single monthly payment across their portfolio through one direct debit, one affordability assessment, one maturity date and one personal guarantee. The proposition is available across both first and second charge buy-to-let lending. Automated valuation models are available for fully residential properties, while the lender said the product can support portfolios containing non-standard or mixed-use assets, with no maximum portfolio size. Second charge rates are priced at 25bps above first charge rates, while arrangement fees operate on a sliding scale to provide greater flexibility over monthly repayments. Together said it has seen growing demand for larger loans exceeding £1 million as landlords look to optimise their portfolios through structured finance. The lender, which has a loan book of £8.4 billion, said enquiries for portfolio restructuring have increased as borrowers seek more efficient funding models. Russell Anderson (pictured), chief strategy director at Together, said: "Mortgage Soup know from the feedback that Mortgage Soup has had from brokers that landlords are proactively seeking innovative ways to maximise future opportunities, moving away from individual property loans and turning to lenders who can restructure debt at a portfolio level. "The move is a clear signal to lenders that those able to help with complex financial solutions will be best placed to offer the added levels of support that landlords seek from their finance partner. "We're pleased to launch our new portfolio proposition at a lower rate than our standard buy-to-let products across first and second charges to allow landlords to release equity across their assets to grow their portfolios."

Together launches new lower-rate portfolio buy-to-let range. The new range features lower rates than standard buy-to-let products. Rozi Jones | Editor, Financial Reporter 14th July 2026 Together has launched a new, lower-rate proposition for portfolio landlords with two or more properties who are seeking finance of more than £1 million. The new range features lower rates than standard buy-to-let products, starting at 4.69% for a first charge two-year fixed rate. The proposition also features standardised single monthly payments across the overall portfolio via one direct debit, one affordability assessment and one maturity date, and one personal guarantee. The newly launched proposition for loans over £1 million is available for both first and second charge buy-to-let products with automated valuation models (AVMs) offered on all fully residential property. The proposition enables brokers to offer structured funding solutions to clients including non-standard or mixed asset types, regardless of maximum portfolio size. Second charge rates are available for portfolio landlords at 25bps above first charge, with lender arrangement fees on a sliding scale to allow for extra flexibility in terms of monthly repayments. Together says it has seen growing demand for larger loans of £1m+ as landlords navigate an environment of rising rates and tax hikes. Russell Anderson, chief strategy director at Together, said: "Financial Reporter know from the feedback that Financial Reporter has had from brokers that landlords are proactively seeking innovative ways to maximise future opportunities, moving away from individual property loans and turning to lenders who can restructure debt at a portfolio level. "The move is a clear signal to lenders that those able to help with complex financial solutions will be best placed to offer the added levels of support that landlords seek from their finance partner. We're pleased to launch our new portfolio proposition at a lower rate than our standard BTL products across first and second charges to allow landlords to release equity across their assets to grow their portfolios." Popular this week Latest from Property Reporter Latest from Protection Reporter

Together hires corporate sales director for Yorkshire. Specialist lender Together has appointed Lewis Hepworth as corporate sales director for Yorkshire as it continues to expand its regional presence. Lewis brings more than a decade of experience in financial services and joins from Handelsbanken, where he spent eight years, most recently as a corporate manager covering Bradford and Halifax. His previous roles also include positions with Reward Finance Group and National Australia Bank. In his new role, Lewis will promote Together's lending products to professional introducers and direct customers across Yorkshire, supporting larger transactions ranging from £1 million to £20 million. Based in Wakefield, he will join the lender's corporate team and report to director of corporate sales Mark Eastwood. Lewis said: "My new role is focused around supporting both new and existing customers with their growth aspirations, as well as maintaining and developing strong relationships with introducers, to build Together's professional network and profile. "Yorkshire has always been a financial powerhouse, and its regional economy continues to show remarkable resilience, driven by entrepreneurial investors, developers and business leaders. "Together already has a great reputation in the region for its common sense approach and flexible financial products which can be delivered at speed, and I'm looking forward to providing more clients with finance, unlocking new opportunities to help drive forward Yorkshire's future economic growth." Lewis' appointment reflects Together's continued investment in regional growth. Headquartered in Cheadle, Greater Manchester, the specialist lender has a loan book of £8.4 billion and provides a range of funding solutions including bridging finance, commercial and buy-to-let mortgages, and development finance. Mark Eastwood, the director of corporate sales at Together, added: "Lewis has the drive and determination to thrive in his new career at Together and we're delighted to welcome him to the role of corporate sales director for Yorkshire. "His experience and skills in relationship building mean he's already developed a large network of clients and professional introducers, and this will be of huge benefit to our business as he continues to grow Together's brand throughout the region. "There is huge demand in Yorkshire for well-capitalised and reliable lenders who can take a common sense and flexible approach to structuring the finance needed by entrepreneurial businesses to meet their property ambitions." Want your business, product or service to be seen regionally and nationally? Bdaily helps you get your story in front of the right audience, every day. Find out how Bdaily can help Join more than 55,000 subscribers by signing up to our daily bulletin each morning here.