RAW Capital Partners, a Guernsey-based specialist lender, has expanded its offerings by introducing bridging loans secured against UK residential property. This move is significant for landlords and investors seeking quick financing options, as it provides a new avenue for accessing funds efficiently.
What are the Key Features of RAW’s Bridging Loans?
The newly launched bridging loans are unregulated and come with first-charge security against residential properties in the UK. Borrowers can access funds between £100,000 and £4 million, with terms ranging from three to 18 months. The maximum loan-to-value (LTV) ratio is set at 60%, and interest rates are tiered based on the LTV. This structure allows for flexibility depending on the borrower’s equity position.
Who Can Benefit from These Bridging Loans?
These bridging loans are particularly beneficial for foreign nationals, UK expatriates, and Channel Islanders who have been investing in UK buy-to-let properties. Following an expansion in December 2025, UK residents are also eligible, broadening the potential borrower base. The swift funding capabilities of RAW Capital Partners are designed to meet the urgent needs of property investors.
What This Means for Property Investors
The introduction of bridging loans by RAW Capital Partners enhances the financing options available to property investors, especially those looking for quick access to capital. With a significant fund of over £220 million under management, RAW is well-positioned to provide speed and certainty in the lending process, important for investors needing to act quickly in a competitive market.
Frequently asked questions
What is a bridging loan?
A bridging loan is a short-term financing option used to bridge the gap between the purchase of a new property and the sale of an existing one, often used in property investments.
How does the LTV ratio affect my borrowing?
The loan-to-value (LTV) ratio determines how much you can borrow against your property’s value; a lower LTV typically means better interest rates and terms.