RAW Capital Partners, a specialist lender based in Guernsey, has expanded its offerings by introducing bridging loans. This move is significant for landlords and property investors as it provides additional financing options secured against UK residential properties.
What are the Key Features of the New Bridging Loans?
The newly launched bridging loans are first-charge loans available for amounts between £100,000 and £4 million. Borrowers can select terms ranging from three to 18 months, with a maximum loan-to-value (LTV) ratio set at 60%. The interest rates for these loans are tiered based on the LTV, offering flexibility for various borrowing needs.
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. Following an expansion of its lending criteria in December 2025, UK residents are also now eligible to apply. This broadens access to quick financing solutions for those looking to seize property investment opportunities.
What This Means for Property Investors and Brokers
The introduction of bridging loans by RAW Capital Partners enhances the financing market for property investors. With a robust RAW Mortgage Fund boasting over £220 million in assets, the lender is positioned to provide swift and reliable funding. Brokers can expect increased options for their clients, particularly those needing fast capital to secure properties.
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 transactions.
How can I apply for a bridging loan from RAW Capital Partners?
Interested borrowers can apply through brokers who work with RAW Capital Partners, ensuring they meet the lending criteria and can provide the necessary documentation.