Henry Moser and family
When Moser and business partner Barrie Pollock were selling cars in the 1970s, a customer came in with a £1,000 deposit hoping to borrow the same amount to get a £2,000 vehicle. The duo bought a finance firm and agreed their first loan – and soon realised they could make as much money from finance as cars. Moser, 67, started the forerunner of Together, his Cheshire-based specialist mortgage lender, in 1974 and grew its loan book to £725m. Parent company Jerrold Holdings made £90m profit in 2015-16 and Moser has a 70% stake after selling 30% in 2016 for £113.5m to a private equity group. It is reported to be worth £800m-£1bn and there is talk of a stock market float. Until there is a listing we stick to a £600m valuation.