The Intermediary – January 2026 - Flipbook - Page 49
MEET THE BDM
professionally. I had always
aspired to join a large firm with
big ambitions, and the great thing
about Together is that although it’s
a juggernaut of a company, it still
retains that small-to-medium size
feel where your contributions are
recognised. What’s more, Together
actively encourages growth and
development, which is key to
creating the best teams and culture.
Joining Together was one of
the best decisions I’ve made. I’ve
now been here for four years and
absolutely love my role.
What makes Together
stand out from the
crowd?
Together stands out for many
reasons, most notably as the
largest non-bank lender in the UK.
Our flagship product, unregulated
bridging, is fast, flexible, and
consistently pushes boundaries in
monthly lending volumes.
What really sets us apart is our
approach: we assess deals on
their individual merits rather than
applying a one-size-fits-all model.
This makes the role incredibly
rewarding, as you can influence
decisions and apply your experience
to make sure the brokers’ client
is getting finance tailored to their
specific needs.
On top of that, the team at
Together is exceptional, I can
honestly say I’ve never worked with
a better group in my 15 years in
the industry.
relationships and trust, you can work
together to put things right.
Another ongoing challenge is
keeping up with market trends and
volatility, which requires constant
attention and adaptability.
I’ve noticed some BDMs
struggle when positioning their
lender’s products.
Personally, I believe if you know
your products inside out and
understand where they fit in the
market, it becomes much easier to
shift the focus onto those areas.
What are the
opportunities for BDMs?
The mortgage market is always
evolving, which means there are
constant opportunities to build
new relationships.
For me, relationship-building
has always been the cornerstone
of success. While emails,
calls, and visits are important,
establishing genuine, positive
working relationships delivers the
greatest results.
When brokers see that you’re
reliable and know your products
inside out, trust follows, and that
trust drives business.
Looking ahead to 2026, if the
Bank of England base rate continues
to fall, we could see increased
confidence and more opportunities
for growth across the industry.
facing BDMs right now?
The biggest challenge for BDMs
today is staying organised and
reliable when clients need us. The
role is highly varied; balancing
meetings, travel, and product
changes, so being able to pivot
quickly while maintaining trust
is essential.
Things do go wrong from time
to time, but if you’ve built strong
give potential borrowers
in the current climate?
Don’t become overly fixated on
rate. It’s easy to chase the cheapest
product, valuation, or legal fees, but
that doesn’t always lead to the best
outcome. Experienced property
professionals often understand this
– they may choose the path of least
resistance or be prepared to handle
obstacles later on. For example, a
bridging loan that’s 0.5% cheaper
but takes six weeks longer could
jeopardise the entire deal and cost
more in other areas.
If the numbers still work at a
slightly higher cost and the borrower
is comfortable with the margin, that
can often be the smarter choice.
What would you like
people to know about you
outside of work?
I’m a big golf fan, something I picked
up later in life when football became
a bit too demanding physically! Golf
season in the mortgage industry is
my favourite time of year, especially
the Together Golf Day. I’m also a
massive Arsenal supporter, and I’m
convinced this year is our year! ●
How do you work with
brokers to ensure the best
outcomes for borrowers?
What are the challenges
What advice would you
I always start by setting clear
expectations for both parties
and identifying potential pitfalls
early in the process. By discussing
possible hurdles upfront, we can
address them before they impact
the customer.
I also make sure we agree on
what the best outcome looks like
for the borrower from the outset,
so everyone is aligned and working
toward the same goal throughout
the case.
Together
Established in 1974
Products
◆ Regulated first and second charge
◆ CBTL first and second charge
◆ Regulated and unregulated bridging
first and second charge
◆ Commercial and semi-commercial
term
◆ BTL and homeowner business loans
first and second charge
Contact details
Andy.Neo@togethermoney.com
07716 093 019
January 2026 | The Intermediary
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