Lending for the new normal.

With 45 years’ experience, Together has firmly established itself as a leader in the specialist finance industry. We offer a wide range of specifically designed products, including short-term finance, auction finance, residential, buy-to-let and commercial mortgages and secured loans. We’ve helped all kinds of customers from SMEs and LLPs to sole traders and self-employed people.

Our expertise in lending means we can look beyond mainstream lending criteria to take an individual view of customers’ needs and treat each application on its own merits.

We get to know the person behind the application, thinking outside the tick box and reviewing each case on its merits. Which means letting an underwriter – not a computer – make the final decision, every time.

Multiple scenarios:
one common sense approach

Whenever you have a case that involves non-standard purchases, property, income or credit, we’re here to listen to you and do our best to find a solution. Not only are we happy to consider each of these individually, we can also help when more than one – or even all – of these non-standard scenarios exist.

Non-standard purchases:
We’ll consider non-standard property types including residential, semi-commercial, commercial properties and land (with or without planning permission or agricultural restrictions). These could include shared ownership, Right-to-Buy, unencumbered, properties, HMOs and properties bought at auction.

Non-standard property:
We can help secure finance on many types of residential and commercial property, regardless of structure, usage, or valuation. This includes non-standard materials such as a concrete or timber frame, ex-council houses and flats above the fifth floor. We’ll also consider properties which are in poor general condition on valuation and self-build with a relevant building guarantee.

Non-standard income:
We’re pleased to assess many types of employment and income on their individual merits. This includes employed, self-employed, bonus and overtime, DWP benefits, private pensions, sole traders, zero hours contracts, partnerships and limited companies. There is no minimum income requirement and we’ll also consider up to 100% of additional income.

Non-standard credit:
We’re able to consider clients with a less than perfect credit rating who may have had difficulties in the past, including CCJs. The only exceptions to this are cases where bankruptcy, IVA and debt management plans are involved.

If you have a case which involves any or all of the above, or if you have a query on whether we can help you and your clients, get in touch today.


Crystal Specialist Finance has great relationships with specialist lenders, benefiting from enhanced processing times, exclusive and semi-exclusive products and dedicated underwriters.

We have access to over 80 panel lenders, and you can either select your lender of choice, or allow our team to source our panel to find the best solution for you.

For access to exclusive benefits and for an award winning service contact Crystal Specialist Finance on 01827 301 070
or email info@crystalsf.com.