RAW Capital Partners, a specialist lender based in Guernsey, has introduced bridging loans to its product range, providing new financing options for UK property investors. This addition is significant as it allows for unregulated, first-charge loans secured against UK residential properties, catering to a broader audience of borrowers.
What are the details of the new bridging loans?
The newly launched bridging loans range from £100,000 to £4 million, with terms lasting between three to 18 months. The loans come with a maximum loan-to-value (LTV) ratio of 60%, and the interest rates are tiered based on the LTV. This structured approach allows borrowers to choose a loan that aligns with their financial strategy.
Who can benefit from these bridging loans?
These loans are particularly beneficial for foreign nationals, UK expatriates, and Channel Islanders who have been investing in UK buy-to-let properties. Since December 2025, RAW Capital has expanded its lending criteria to include UK residents, thereby broadening access to these financial products.
What this means for property investors and brokers
The introduction of bridging loans by RAW Capital Partners is a positive development for landlords and brokers seeking quick financing solutions. With the lender’s RAW Mortgage Fund managing over £220 million in assets, the emphasis on speed and certainty in the lending process is important for those needing immediate capital to seize investment opportunities.
Frequently asked questions
What is a bridging loan?
A bridging loan is a short-term financing option that helps borrowers bridge the gap between immediate financial needs and long-term funding solutions.
How do I apply for a bridging loan with RAW Capital Partners?
Interested borrowers can apply through brokers who work with RAW Capital Partners, ensuring they meet the criteria for the desired loan amount and terms.