Introduction
Henry Neville Moser, famously known as Henry Moser, is one of the most remarkable self-made businessmen in the United Kingdom. As the founder, owner, and former CEO of Together Financial Services Limited, Moser’s life story reflects hard work, resilience, and strategic foresight. Born in September 1949 in Bury, Lancashire, England, he grew up with modest means but transformed his vision into a thriving financial empire.
From leaving school at just 16 to creating one of the UK’s most successful specialist lending companies, Henry Moser’s journey is both inspirational and instructive. His ability to spot opportunities where others saw challenges has made him a defining figure in British finance and entrepreneurship.
Quick Bio
| Attribute | Details |
|---|---|
| Full Name | Henry Neville Moser |
| Date of Birth | September 1949 |
| Birthplace | Bury, Lancashire, England |
| Nationality | British |
| Profession | Businessman, Financier, Entrepreneur |
| Known For | Founder, Owner, and Former CEO of Together Financial Services Limited |
| Current Role | Executive Vice Chairman of Together Financial Services |
| Founded | 1974 |
| Estimated Net Worth (2024) | £1.918 Billion |
| Main Source of Income | Financial Services and Mortgage Lending |
Early Life and Education
Henry Moser was born and raised in the industrial town of Bury, Lancashire. Growing up in a working-class family, he experienced the value of perseverance and discipline from an early age. His upbringing instilled in him a strong work ethic that would later define his approach to business.
He left formal education at the age of 16 and started his professional life as a car salesman. This early exposure to finance, sales, and negotiation gave him practical skills that no classroom could provide. Moser quickly learned that financing was often more profitable than the actual sale of goods, sparking his lifelong interest in financial services.
Start of Career
Henry Moser’s first step into entrepreneurship began in the 1960s when he recognized that customers often needed financial help to purchase cars. This realization led him to explore vehicle finance, marking the start of his journey into lending. His business instincts, combined with an eye for market gaps, drove him to think beyond ordinary sales.
By the early 1970s, he was ready to take a leap. Moser’s determination and experience in asset financing laid the foundation for what would soon become one of the most influential lending companies in the UK.
The Birth of Together Financial Services
In 1974, Henry Moser co-founded what would eventually become Together Financial Services Limited. The company initially operated under the name Jerrold Holdings, focusing on helping individuals and small businesses obtain access to secured loans.
As the financial landscape evolved, Moser adapted his strategies to meet changing customer needs. Under his visionary leadership, Together Financial Services grew rapidly, offering diverse products such as bridging loans, buy-to-let mortgages, and secured commercial finance. His belief in treating customers fairly and offering flexible lending options set his company apart from traditional banks.
Rise to Success
Henry Moser’s business philosophy was simple yet powerful — focus on opportunity, not limitation. His ability to foresee market trends helped Together Financial Services achieve massive growth during the 1980s and 1990s. As the property market expanded, his company became a trusted partner for thousands of borrowers who struggled to secure loans from mainstream lenders.
By the early 2000s, Together had become one of the largest privately owned specialist lenders in the United Kingdom. Its loan book grew to several billion pounds, supported by a team of dedicated employees who shared Moser’s passion for customer-first lending.
The Turning Point and Controversy
In 2012, Henry Moser and his company faced a major regulatory challenge. The Financial Services Authority (FSA) fined him £70,000 and fined one of his subsidiaries, Cheshire Mortgage Corporation Ltd, £1.225 million for unfair lending practices. As part of the settlement, Moser agreed to step down as Chief Executive Officer within six months.
Although this was a difficult chapter in his career, it also became a turning point. Rather than retreating, Moser shifted his focus to strategic oversight and governance. His decision to accept responsibility and restructure leadership demonstrated his resilience and long-term commitment to the company’s success.
Leadership and Vision
After stepping back from the CEO position, Henry Moser continued to serve as Executive Vice Chairman of Together Financial Services. In this role, he concentrated on vision, strategy, and culture — ensuring that the company retained its entrepreneurial roots while embracing modern financial practices.
His leadership style emphasizes trust, innovation, and empowerment. Employees describe him as a visionary leader who understands both the numbers and the people behind them. Moser’s ability to balance growth with ethics helped Together rebuild its reputation and maintain its position as a trusted financial institution.
Net Worth and Achievements
Henry Moser’s achievements in the financial industry have made him one of Britain’s most successful entrepreneurs. According to The Sunday Times Rich List 2024, his estimated net worth stands at £1.918 billion. His primary source of wealth is the value of Together Financial Services Limited, along with related business interests.
His success story is a testament to persistence, strategic thinking, and adaptability. Despite facing regulatory scrutiny, he managed to transform his challenges into opportunities, further strengthening his legacy in the finance world.
Legacy of Henry Neville Moser
Henry Neville Moser’s legacy extends far beyond his financial achievements. As the founder, owner, and CEO of Together Financial Services Limited, he built a company that has helped thousands of individuals and businesses achieve financial stability. His approach to lending — focusing on accessibility and flexibility — continues to influence the UK’s financial sector.
He is celebrated not just for his business acumen but for his resilience. His journey from a 16-year-old school leaver to a billionaire business leader exemplifies how determination and vision can overcome any obstacle. Today, Together Financial Services stands as a reflection of Moser’s values: opportunity, trust, and innovation.
Conclusion
Henry Moser’s life is a remarkable blend of ambition, struggle, and triumph. From selling cars in Lancashire to leading a billion-pound financial company, his story inspires anyone who dreams of creating success from scratch.
His career reminds the business world that integrity, adaptability, and vision are timeless principles. While controversies tested his leadership, they also revealed his strength of character. As of today, Henry Neville Moser remains one of the most influential figures in British finance — a man whose name will continue to define success in the lending industry.
Frequently Asked Questions (FAQ)
1. Who is Henry Moser?
Henry Neville Moser is a British businessman, founder, and Executive Vice Chairman of Together Financial Services Limited, one of the UK’s leading specialist lenders.
2. What is Henry Moser’s net worth?
As of 2024, his estimated net worth is around £1.918 billion, primarily earned through his ownership in Together Financial Services.
3. When did Henry Moser start his career?
He began his career in the 1960s as a car salesman before moving into vehicle finance, eventually founding Together Financial Services in 1974.
4. What is Together Financial Services Limited?
It is a UK-based specialist lending company that provides mortgages, secured loans, and bridging finance to individuals and businesses.
5. What defines Henry Moser’s legacy?
His legacy lies in his self-made success, leadership vision, and ability to build one of the UK’s most respected financial services companies from humble beginnings.
