Lender Comparison
Norton Finance vs Together Money
Norton and Together are both long-established UK specialist lenders with appetite for adverse credit cases. They overlap on minor and moderate adverse but diverge on property type acceptance — Together has broader non-standard property appetite, while Norton is more rate-competitive on standard cases.
At a glance
| Norton Finance | Together Money | |
|---|---|---|
| Min loan | £5,000 | £10,000 |
| Max loan | £500,000 | £500,000 (residential second charge) |
| Max term | 30 years | 30 years |
| Max LTV | 80% combined | 75% combined (most products) |
| Credit tier | Clean to minor adverse | Clean to moderate adverse including discharged bankruptcy |
| Rate structure | 2-year fixed, then variable revert | 2-year and 5-year fixed, then variable revert |
| Arrangement fee | £795 (below £100k) / £995 (above £100k) | £995–£1,995 arrangement fee, tiered |
| Completion | Typically 3–4 weeks | Typically 3–4 weeks |
| Property eligibility | Standard UK residential property. Combined LTV capped at 80% across the product range. Physical valuation typically required on loans above £100,000. | Standard UK residential property. Non-standard construction and ex-local authority property considered. Combined LTV typically capped at 75%. |
Which should you pick?
Pick Norton for cleaner-pricing on minor-moderate adverse
Norton Finance's 2-year fix from 8.55% APR is more competitive than Together's equivalent on minor adverse cases with standard residential property. Best for borrowers with credit blemishes but standard property and clear affordability.
Read full Norton Finance profile →Pick Together for heavier adverse and non-standard property
Together accepts cases other specialists decline — including discharged bankruptcy (typically 12+ months post-discharge), non-standard construction, and ex-local authority property. Rates from 8.50% APR but the criteria flexibility is the deciding factor. Best when the case has property type or credit complications.
Read full Together Money profile →Pros and cons
Norton Finance
Pros
- • Underwriting strength on self-employed and complex income
- • Up to £500,000 loan size
- • Tiered fee structure competitive across the typical UK loan size range
- • Long market tenure with established process
Cons
- • Currently primarily 2-year fixed — limited longer-fix availability
- • Headline rates not the lowest in the market
- • Doesn't accept moderate or heavy adverse credit cases
Together Money
Pros
- • Long market tenure — established 1974, deep operational experience
- • Broad criteria — accepts cases other specialists decline
- • Strong on non-standard property and unusual circumstances
- • Accepts discharged bankruptcy from typically 12+ months post-discharge
Cons
- • Headline rates not the lowest — Together prices for risk on broader criteria
- • Combined LTV cap of 75% on most products — limited at higher LTVs
- • Arrangement fees can be higher than streamlined competitors
Frequently asked questions
What's the difference between Norton Finance and Together?
Norton Finance (founded 1974) is more rate-competitive on minor-to-moderate adverse cases with standard residential property — 2-year fix from 8.55% APR. Together (founded 1974) has broader appetite including discharged bankruptcy, non-standard construction, and ex-local authority property — rates from 8.50% APR. Norton wins on price for standard cases; Together wins on criteria flexibility.
Is Together more flexible than Norton on adverse credit?
On heavier adverse — discharged bankruptcy, IVAs, recent CCJs — Together typically has broader appetite than Norton. On minor adverse with standard property, both will quote and Norton's pricing is often more competitive. The right lender depends on which constraint is hardest to satisfy: rate, credit profile, or property type.
Should I pick Norton or Together for an adverse credit secured loan?
Pick Norton if your credit issues are historical or minor, the property is standard residential, and you want competitive pricing. Pick Together if you have heavier adverse credit (including discharged bankruptcy), non-standard property, or a case that has been declined elsewhere where you need a flexible underwriter.
Get quotes from both lenders
Our advisers quote Norton Finance and Together Money side by side against your specific criteria — loan size, LTV, property type, credit profile.