RAW Capital Partners, a specialist lender based in Guernsey, has expanded its offerings by introducing bridging loans secured against UK residential property. This move is significant for landlords and investors seeking flexible financing options, especially given the current property market dynamics.
What are the key features of these bridging loans?
The newly launched bridging loans from RAW Capital Partners are available in amounts ranging from £100,000 to £4 million. The loans are unregulated and are secured against residential properties in the UK. Borrowers can choose terms between three to 18 months, with a maximum loan-to-value (LTV) ratio of 60%. Interest rates are tiered based on the LTV, providing a structured approach to financing.
Who can benefit from these bridging loans?
These loans are particularly beneficial for foreign nationals, UK expatriates, Channel Islanders, and now UK residents, as RAW Capital Partners has broadened its lending criteria since December 2025. This expansion allows a wider audience to access quick funding solutions, which is essential for property investors looking to seize opportunities in the fast-paced market.
What this means for property investors and brokers
The introduction of bridging loans by RAW Capital Partners is a timely addition to the market. With over £220 million in assets under management in the RAW Mortgage Fund, the lender is well-positioned to provide swift and reliable financing. This is important for brokers and investors who require certainty and speed in their transactions, particularly in competitive bidding situations.
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 by investors for quick funding.
How does the tiered interest rate work?
The tiered interest rate for bridging loans varies based on the loan-to-value ratio, meaning the higher the LTV, the different the rate applied, allowing for tailored financing solutions.