RAW Capital Companions has launched a brand new vary of mortgage merchandise for UK debtors, marking a serious growth into the UK marketplace for the ten-year-old lender.
For the previous decade, the Guernsey-based specialist lender has supplied bespoke mortgages to overseas nationals, UK expats, and Channel Islanders shopping for buy-to-let funding property within the UK. Thus far, it has supplied mortgages to UK residents by exception solely
That modifications with the launch of the RAW UK Mortgage Firm, which sees the corporate lengthen its providing to UK-based firms {and professional} landlords. It stays centered on specialist, versatile mortgage merchandise designed to handle gaps left by mainstream lenders.
UK debtors will now have the ability to entry time period loans of as much as 10 years for buy-to-let, with one-, two-, and three-year fixed-rate choices. For shorter-term wants, the lender will present bridging loans of as much as 18 months for enterprise functions together with renovation, refurbishment, and development-exit.
UK debtors may also acquire entry to the established options of RAW Capital Companions’ current proposition. These embody consideration of your software by an in-person credit score committee, no stress testing, and choices in precept (DIP) inside one enterprise day.
The information follows a sequence of notable modifications to RAW Capital Companions’ providing in current months, together with elevating the loan-to-value (LTV) restrict from 55% to 70%. The lender has additionally loved its most profitable 12 months thus far in 2025, and lately introduced that it had handed £200 million in belongings beneath administration inside its RAW Mortgage Fund.
Tim Parkes, CEO of RAW Capital Companions, stated: “It is a large second for RAW Capital Companions. For years we’ve specialised in lending to overseas nationals and expats trying to put money into UK property – however now we’re bringing our bespoke and versatile lending strategy to UK residents.
“The timing feels proper – the Financial institution of England has been slicing the bottom price all through 2025, however so many brokers, and their UK shoppers, are nonetheless unable to entry the specialist mortgages they want. Our mixture of aggressive charges, numerous product choices, and versatile strategy to lending is designed to fill this hole out there.
“It’s a extremely thrilling step for RAW. Our monitor report for working with world buyers with advanced borrowing wants signifies that we will tackle circumstances that different lenders will draw back from. I’m assured our new providing will ship vital worth to the UK market and additional set up RAW as a trusted accomplice for brokers and debtors alike.”
