How Together’s Premier for Intermediaries service is changing the landscape for £1m+ cases

Joanna Elton, Key Account Manager at Together

Ask any broker working on multi‑million‑pound loans and you will hear a familiar story. Bigger cases almost always mean more complexity, delays and uncertainty.

Navigating complex financial structures, dealing with clients who have multiple income sources, or who may be foreign nationals or expats, are among the challenges brokers regularly face when placing these £1m+ deals.

Add tight timelines, higher stakes and the risk of a case stalling due to rigid criteria, and it’s easy to see why many brokers shy away from these larger opportunities in favour of smaller, but simpler ones.

But as the appetite for larger loans continues to grow for both commercial and personal lending, can brokers continue to ignore these lucrative, high-value cases?

Introducing Together Premier for Intermediaries

It’s exactly for these reasons that we’re excited to introduce our new VIP service, Premier for Intermediaries. Designed to streamline and speed up the process of placing £1m+ cases so it’s as easy for you as any other deal.

Here’s what brokers can expect:

• A dedicated specialist team working exclusively on your high-value lending cases. Brokers can expect consistent support from enquiry through to completion, meaning clearer communication, faster decisions and a more personal level of service.
• Flexible underwriting designed to meet the complexity that often follows larger loan amounts. We can support unconventional client profiles including expats and foreign nationals, complex company structures, unique property types, and complex income and credit histories.
• Speed and certainty that brokers can rely on. Our Premier for Intermediaries service works at the speed required for modern business and client needs.

About Joanna

With over 20 years of experience in the intermediary finance industry, excelling in supporting complex commercial cases, Jo is ideally placed to support Fiducia brokers looking for larger £1m+ loans.

If you’re unsure whether the Premier for Intermediaries service is right for your case, speak to Jo who’ll be happy to make the introductions and streamline your application.

CASE STUDY

£7.9m Commercial Term Loan Secures Time-Sensitive Office Block Purchase

The Ask

A broker approached Together to help them meet their client’s challenging timescales on the purchase of a Scottish office block. The deal needed to be leveraged against the full market value, complete before the end of the calendar year, and use a non-standard repayment structure.

The Solution

Being a complicated case, Together’s expert team had little time to lose to get the funding approved and in the client’s account before the quickly approaching deadline.

Senior Underwriter Emma Goodyear quickly conducted a high-level cash flow analysis of the partially-let property and engaged with several key departments within Together to ensure that the unusual request could be accepted and supported within the timeframe. Emma then liaised with the broker and external Scottish lawyers to ensure the timely completion.

Together arranged the £7.9m commercial mortgage within four days, securing the high-value site and helping the client avoid penalties for breaching their purchase contract. The loan was structured over a 12-year term and 75% LTV on the purchase price.

About Together

We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to lending.

That means we take the time to understand our customers and find a property finance solution that works for them. Our door is always open, so we can often help when other lenders can’t or won’t.

Visit Together

Our common-sense approach means we consider a wide range of scenarios, including:

Income sources: employed, self-employed, benefits, pensions, sole traders, partnerships, limited companies.

Property types: residential, commercial, land – regardless of structure or usage.

Customer profiles: expats, overseas nationals, limited companies, complex structures.

Credit histories: from perfect scores to past challenges.

Our products include First and Second Charge Residential, Buy to Let, Commercial mortgages and Bridging loans.

About Fiducia Commercial Network

Fiducia Commercial Network is a commercial finance \’Appointed Representative\’ network created to allow independent firms to provide commercial property finance and trading business finance options to their existing client base and network.

Joining the network provides opportunities for professional brokers to offer a full range of commercial finance solutions by acting as an Appointed Representative (AR) with the full support of the Fiducia Commercial Network team.

The Fiducia Commercial Network membership includes FCA authorisation and reporting, PI insurance, and NACFB membership, plus business, compliance, finance, system, and admin support from a company with over 20 years\’ experience in commercial finance.

If you\’d like to discuss joining Fiducia Commercial Network or you\’d like to apply to become an Appointed Representative…

SPEAK TO OUR TEAM

To discuss Fiducia Commercial Network or to apply to become an Appointed Representative email the team via by clicking this link.

For all media and marketing enquiries contact –  pr@fiduciagroup.co.uk