Office address: Lake View, Lakeside, Cheadle, Cheshire SK8 3GW
Website: www.togethermoney.com
Year established: 1974
Company type: financial services
Employees: 700+
Expertise: short-term finance, auction finance, secured loans, personal finance, commercial and buy to let mortgages, bridging finance
Parent company: N/A
CEO and key people: Henry Moser (CEO), Marc Goldberg (commercial finance CEO), Gary Beckett (GMD and CTO), Mike McTighe (NED and chair), Joseph Shaoul (NED), Wayne Bowser (NED and chair of audit and risk committees), Sarah Batt (company secretary)
Financing status: N/A
Together Money is a Cheshire-based lending company that provides a variety of loan options for personal and business mortgage purposes. The company averages a monthly loan origination of £226.8 million and has a loan book of over £6.2 billion. It has grown to have more than 700 employees operating across the UK.
Together Money was founded in 1974 by Henry Moser and began providing mortgages the following year. The company expanded its services in 1985 with its first bridging loan and entered commercial finance in 1986. Marc Goldberg joined as an apprentice in 1989, eventually becoming CEO of Sales & Distribution.
The company launched a short-term auction finance product in 2003, reaching a loan book of £1 billion in 2013, and rebranding as Together in 2015. In 2021, Together Money launched a partnership with Stockport County FC, and in 2022, it deployed £1 million into the community. By 2024, it celebrated its 50th anniversary, marking half a century of service and growth in the industry.
Together Money offers a comprehensive suite of financial products that aims to meet the requirements and needs of the client. Key offerings include:
personal mortgages: regulated by the Financial Conduct Authority (FCA), these mortgages are designed to meet the diverse needs of individual clients
secured homeowner loans: a financial solution that leverages the client’s property as collateral, offering flexibility for homeowners
buy-to-let mortgages: a specialised product catering to investors looking to expand their portfolio or make their first property investment
commercial mortgages: tailored for businesses seeking to acquire or remortgage commercial properties
bridging loans: short-term financial solutions designed to bridge the gap between a debt coming due and the main line of credit becoming available
auction finance: a rapid financing solution to meet the unique timescales associated with auction purchases
land mortgages: a product specifically designed for clients purchasing land, offering competitive terms
Together Money demonstrates a strong commitment to its employees by offering a comprehensive benefits package. These reflect the company’s recognition of the importance of work-life balance, financial security, and overall well-being. Aiming to foster a supportive and productive work environment, the company provides benefits such as:
annual leave: up to 30 days plus a birthday off
flexible work: full-time, part-time, term-time options
salary: up to £40,000 plus quarterly commission
health benefits: health cash plan and private insurance
pension: matched contributions
extra perks: access to holiday homes, local discounts, and gym membership
Together Money is dedicated to promoting thriving communities through various initiatives, recognising that both large and small actions are vital for positive societal impact. This commitment is rooted in the understanding that helping communities flourish is integral to building a better future for all. The company’s initiatives include:
Together Money’s sustainability approach is driven by a purpose to help people realise their property ambitions while being responsible to the planet, communities, colleagues, and customers. Their strategy aligns with the UN’s SDGs, emphasising practical changes to operations that protect the planet and foster thriving communities. Their initiatives are directed towards:
the planet:
reduce operational carbon emissions by 70% by 2027
achieve net zero for own operations by 2030
net zero for direct and indirect emissions by 2050
communities:
donate £1m to community projects in 2023
finance 1,000 affordable properties by 2025
their customers:
provide at least one green mortgage product by end of 2023
establish partnerships to improve customers’ home energy efficiency
their colleagues:
remove barriers for colleagues to realise their full potential
use 50% of colleague volunteering days annually by 2025
Henry Moser has served as the founder and CEO of Together Money since 1974. Moser began as a car salesman before co-founding Jerrold Holdings, a mortgage lending firm. He leads the company by assembling a skilled executive team, ensuring adherence to core values and sustained success in the financial sector.
Together Money’s leadership team comprises a group of experienced professionals who assist the CEO in guiding the company. Key individuals include:
Marc Goldberg serves as the commercial finance CEO at Together Money, overseeing the unregulated side of the organisation, focusing on enabling positive outcomes
Gary Beckett is the group managing director and chief treasury officer, responsible for the company’s treasury, investor relations, and strategic finance
Mike McTighe, a non-executive director and chair, provides strategic oversight and governance with his extensive experience in various leading businesses
Joseph Shaoul, a non-executive director, brings continuity to the board’s membership and significant experience
Wayne Bowser serves as a non-executive director and chair of audit and risk committees, overseeing the company’s audit processes and risk management strategies
Sarah Batt, as company secretary, is responsible for advising the board on matters related to company law and best practices
Together Money has a promising future, driven by strategic initiatives and recent developments. The company’s impressive impact on the UK property lending market demonstrates its strong market presence and potential for further growth. Their new advertising campaign is likely to enhance brand visibility and attract a wider customer base.
Recently, the company launched their first development securitisation, showcasing their innovative approach to expanding their product offerings. These activities collectively contribute to Together Money’s forward momentum, positioning the company for continued success in the financial market.
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