RAW Capital Partners, a specialist lender based in Guernsey, has introduced bridging loans to its range of financial products, marking a significant expansion for the company. This move is particularly relevant for landlords, brokers, and investors seeking quick financing options secured against UK residential properties.
What are the details of the new bridging loans?
The bridging loans from RAW Capital Partners are unregulated, first-charge loans secured against UK residential property. Borrowers can access loans from £100,000 up to £4 million, with terms ranging from three to 18 months. The maximum loan-to-value (LTV) ratio is set at 60%, with interest rates tiered based on the LTV. This flexibility allows investors to quickly secure funding for property acquisitions or renovations.
Who can benefit from these bridging loans?
The new bridging loans are designed for a diverse range of borrowers, including foreign nationals, UK expatriates, and Channel Islanders who have previously invested in UK buy-to-let properties. As of December 2025, RAW Capital Partners expanded its lending criteria to include UK residents, broadening its potential client base. This change is significant for those needing fast access to capital in a competitive property market.
What this means for landlords and investors
The introduction of bridging loans by RAW Capital Partners offers landlords and investors a valuable tool for financing property transactions quickly. With the ability to secure substantial loans at competitive rates, property buyers can act swiftly in a dynamic market, potentially gaining an edge over competitors. The emphasis on speed and certainty in the lending process is particularly beneficial for those looking to capitalise on time-sensitive opportunities.
Frequently asked questions
What types of properties can be used for securing bridging loans?
Bridging loans can be secured against UK residential properties, providing flexibility for various investment strategies.
How long does it take to obtain a bridging loan from RAW Capital Partners?
The lender focuses on speed and certainty, aiming to provide quick access to funds, typically within a matter of days.