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Tag: landlords

  • RAW Capital Partners Expands Bridging Finance Offerings

    RAW Capital Partners Expands Bridging Finance Offerings

    RAW Capital Partners has launched a new range of bridging finance products, aimed at enhancing its offerings for UK residents. This expansion follows the lender’s recent entry into the UK resident market, allowing it to cater to a broader audience, including landlords and property investors.

    TL;DR: RAW Capital Partners now offers bridging loans with flexible terms; this development benefits landlords and brokers seeking quick financing solutions.

    What is Bridging Finance?

    Bridging finance is a short-term loan designed to bridge the gap between the purchase of a new property and the sale of an existing one. It is typically used in situations where quick access to funds is necessary, such as property auctions or urgent renovations. The new range from RAW Capital Partners caters to various investment needs.

    How Does RAW Capital Partners’ New Range Work?

    The bridging finance products feature flexible terms, with a maximum loan-to-value (LTV) ratio available. Pricing is tiered based on LTV, allowing borrowers to understand their costs upfront. This structured approach is particularly appealing to brokers who require clarity and speed in their transactions.

    What This Means for Landlords and Investors

    The introduction of these bridging loans is significant for landlords and property investors looking for rapid funding solutions. With an emphasis on speed and certainty, RAW Capital Partners aims to streamline the borrowing process, making it easier for investors to seize opportunities in the property market. The backing of the RAW Mortgage Fund enhances the lender’s capability to provide reliable financing options.

    Frequently Asked Questions

    What types of properties can be financed with bridging loans?

    Bridging loans can be used for various property types, including residential, commercial, and buy-to-let properties, making them versatile for different investment strategies.

    How quickly can I access funds through bridging finance?

    Bridging finance is designed for quick access to funds, often within a matter of days, depending on the lender’s processes and the completeness of the application.

  • RAW Capital Partners Launches New Bridging Finance Range

    RAW Capital Partners Launches New Bridging Finance Range

    RAW Capital Partners has introduced a new range of bridging finance options, expanding its offerings for UK landlords and investors. This move follows the lender’s recent entry into the UK resident market, enhancing its ability to cater to a broader audience in the property sector.

    TL;DR: RAW Capital Partners now offers bridging loans from £100,000 to £4m with terms from three to 18 months; this expansion benefits brokers and investors seeking quick financing solutions.

    What is Bridging Finance?

    Bridging finance is a short-term loan designed to bridge the gap between immediate funding needs and long-term financing solutions. It is commonly used in property transactions, allowing investors to secure properties quickly while they arrange more permanent financing options.

    Who Can Benefit from RAW Capital Partners’ New Range?

    The new bridging finance products are aimed at various stakeholders in the property market, including landlords, property investors, and brokers. With loan sizes ranging from £100,000 to £4m and a maximum loan-to-value (LTV) ratio of 60%, these products provide flexible options for those looking to seize property opportunities without delay.

    What This Means for Landlords and Investors

    For landlords and property investors, this expanded offering from RAW Capital Partners means increased access to fast and reliable funding. The focus on speed and certainty of execution is particularly beneficial in competitive property markets, where timely financing can make a significant difference in securing desirable investments.

    How Does This Compare to Other Bridging Finance Options?

    RAW Capital Partners’ bridging finance products are structured with tiered pricing based on LTV, which allows for tailored solutions depending on the specific needs of the borrower. This approach can be advantageous compared to more rigid offerings from other lenders, making it an attractive option for those needing quick access to funds.

    Frequently Asked Questions

    What are the terms for the new bridging finance range?

    The bridging finance range offers terms from three to 18 months, with loan sizes between £100,000 and £4m.

    What is the maximum loan-to-value ratio?

    The maximum loan-to-value (LTV) ratio for these bridging loans is 60%.

  • RAW Capital Partners Launches New Bridging Finance Options

    RAW Capital Partners Launches New Bridging Finance Options

    RAW Capital Partners has unveiled a new range of bridging finance products, expanding its offerings to UK residents. This move is significant as it enhances the options available for landlords and investors seeking quick financing solutions in the UK property market.

    TL;DR: RAW Capital Partners introduces bridging finance loans from £100,000 to £4m, targeting landlords and investors needing fast access to funds; terms range from three to 18 months with a maximum LTV of 60%.

    What is Bridging Finance?

    Bridging finance is a short-term loan designed to ‘bridge’ the gap until permanent financing is secured or the property is sold. It’s often used in property transactions where speed is essential, such as auctions or urgent renovations. This new offering from RAW Capital Partners provides a viable option for those looking to act quickly in the competitive UK property market.

    Who Can Benefit from RAW Capital’s New Products?

    The new bridging finance range is particularly beneficial for landlords, property investors, and brokers. With loan amounts ranging from £100,000 to £4 million and flexible terms between three to 18 months, these products cater to various financing needs. The maximum loan-to-value ratio of 60% allows borrowers to use their investments effectively while maintaining manageable risk levels.

    What This Means for Landlords and Investors

    For landlords and investors, the introduction of these bridging loans offers a pathway to secure funding quickly, which is important in a fast-paced property environment. The focus on speed and certainty of execution means that borrowers can expect a more streamlined process, allowing them to seize opportunities as they arise. This is particularly important for those looking to invest in buy-to-let properties or undertake renovation projects.

    Frequently Asked Questions

    What are the typical uses for bridging finance?

    Bridging finance is typically used for property purchases at auction, renovations, or to secure quick funding while waiting for long-term financing.

    How does the loan-to-value ratio affect my borrowing?

    The loan-to-value ratio determines how much you can borrow against the value of the property. A maximum LTV of 60% means you can borrow up to 60% of the property’s value, impacting your equity and potential investment returns.

  • Buy-to-Let Mortgages: Landlords Face New Challenges

    Buy-to-Let Mortgages: Landlords Face New Challenges

    Buy-to-let (BTL) borrowers are currently facing uncertainty as lender guidance struggles to keep pace with recent legislative changes. Following the introduction of the Renters’ Rights Act on May 1, 2026, significant alterations to tenancy laws have left many landlords in a state of confusion regarding their mortgage conditions.

    TL;DR: The Renters’ Rights Act has eliminated assured short-hold tenancies, complicating the market for BTL borrowers; many lenders have yet to update their guidance, leaving landlords uncertain about compliance.

    What has changed with the Renters’ Rights Act?

    The Renters’ Rights Act has abolished the assured short-hold tenancy (AST) in England and Wales, converting all existing ASTs to assured periodic tenancies. This shift means that landlords can no longer issue fixed-term tenancies, and possession can only be sought on statutory grounds outlined in the Housing Act 1988. This has significant implications for BTL landlords who must now navigate a more complex legal framework.

    How does this impact buy-to-let mortgages?

    The changes brought by the Renters’ Rights Act directly affect the practical experience of being a landlord. Many BTL mortgage conditions were established when ASTs were the norm, and as a result, some lenders have not updated their guidance to reflect the new legal realities. For instance, Lloyds Bank continues to reference ASTs in its customer-facing BTL guidance, potentially misleading borrowers who are now subject to different tenancy regulations.

    What should landlords do now?

    Landlords are advised to consult their mortgage brokers or lenders directly to obtain written confirmation that their periodic tenancies comply with the new Act. This step is important to ensure that landlords are not inadvertently breaching their mortgage conditions due to outdated lender guidance. The inconsistency in lender updates highlights the importance of proactive communication between landlords and their financial representatives.

    What this means for landlords and investors

    For landlords and investors in the buy-to-let market, these changes necessitate a careful review of existing tenancy agreements and mortgage conditions. The shift to assured periodic tenancies may affect rental income stability and the ability to evict tenants. Investors should remain vigilant about lender communications and seek clarity on how their mortgage products align with current legislation. Understanding these changes will be vital for maintaining compliance and optimising rental yields.

    Frequently asked questions

    What are assured periodic tenancies?

    Assured periodic tenancies are a new form of tenancy that automatically applies to existing assured short-hold tenancies following the Renters’ Rights Act. They do not have a fixed term and can only be terminated under specific statutory grounds.

    How can I ensure my BTL mortgage is compliant?

    To ensure compliance, landlords should contact their mortgage broker or lender for written confirmation that their periodic tenancy meets the requirements of the Renters’ Rights Act. This will help avoid potential issues with mortgage conditions.

  • Recognise Reports 51% Lending Surge in Mortgage Market

    Recognise Reports 51% Lending Surge in Mortgage Market

    Recognise has announced a significant 51% rise in gross lending, with its bridging loan balances more than doubling, marking a pivotal moment in the UK mortgage market. This growth reflects a strategic shift within the lender, aimed at enhancing its offerings and profitability in a competitive market.

    TL;DR: Recognise’s gross lending surged 51%, with bridging loan balances rising from £124m to £303.8m; this growth is important for landlords and investors looking for robust financing options.

    What are the Key Financial Highlights?

    Recognise’s loan book has now surpassed £500 million, with bridging loans comprising two-thirds of this total. The bank’s professional buy-to-let (BTL) lending remained relatively stable, increasing slightly from £88 million to £88.4 million. However, commercial lending saw a decline, dropping from £58.8 million to £49.5 million. Geographically, London continues to dominate, with lending rising from £88.3 million to £153.2 million, while the South East and North West also saw increases in their respective lending figures.

    How Did Recognise Improve Its Profitability?

    Recognise recorded an £8.9 million profit after tax for the year, a significant turnaround from a £5.3 million loss in 2025. This improvement includes £0.9 million in restructuring costs and a £7.1 million deferred tax asset. The bank’s net interest income rose by 31.7% to £20.4 million, with the net interest margin improving from 5% to 5.3%. This growth is attributed to disciplined pricing strategies and ongoing balance sheet optimisation.

    What This Means for the Mortgage Market

    The doubling of bridging loan balances indicates a growing appetite for short-term financing solutions among landlords and property investors. With Recognise planning to introduce regulated bridging loans in FY27, borrowers may soon have access to more flexible financing options. This is particularly relevant for those looking to capitalise on property opportunities quickly. Investors should monitor Recognise’s forthcoming product offerings and the overall trend in bridging finance as they could influence market dynamics.

    Frequently Asked Questions

    What is bridging finance and how does it work?

    Bridging finance is a short-term loan used to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one. It is typically used for quick funding needs.

    How does the increase in lending affect the mortgage market?

    The increase in lending, particularly in bridging finance, suggests a robust demand for property investment, which may lead to more competitive mortgage rates and options for borrowers.

  • Recognise’s Gross Lending Surges 51% in Mortgage Market

    Recognise’s Gross Lending Surges 51% in Mortgage Market

    Recognise has reported a significant 51% increase in gross lending, highlighting a robust performance in the bridging finance sector, where balances more than doubled. This growth is particularly relevant for landlords and investors looking for opportunities in a dynamic mortgage market.

    TL;DR: Recognise’s gross lending soared 51%, with bridging balances rising from £124m to £303.8m; this growth signals expanding opportunities for landlords and investors in the mortgage market.

    What are the Key Financial Highlights?

    Recognise’s loan book has now surpassed £500 million, with bridging finance comprising two-thirds of this total. The figures show a remarkable increase in bridging balances, which rose from £124 million to £303.8 million. In contrast, professional buy-to-let (BTL) lending remained relatively stable, increasing slightly from £88 million to £88.4 million. Meanwhile, commercial lending experienced a decline, dropping from £58.8 million to £49.5 million.

    How Did Regional Lending Perform in the Mortgage Market?

    Regionally, London continues to dominate, with lending rising from £88.3 million to £153.2 million. The South East also saw a notable increase, climbing from £54.9 million to £95 million, while the North West experienced growth from £66.2 million to £77.5 million. These trends indicate a strong demand for mortgage products in these areas, which may interest brokers and investors.

    What This Means for Landlords and Investors

    The substantial growth in bridging finance suggests that landlords and property investors may find increased opportunities for short-term financing solutions. Recognise’s strategic shift, which includes moving its head office and streamlining operations, aims to enhance service delivery and efficiency in the mortgage market. The bank’s plans to launch regulated bridging in FY27, pending regulatory approval, could further diversify options for borrowers.

    What Should Borrowers Watch Next in the Mortgage Market?

    Borrowers should keep an eye on Recognise’s upcoming offerings, particularly the anticipated regulated bridging products. Additionally, the bank’s improved net interest income, which rose by 31.7% to £20.4 million, may lead to more competitive rates in the mortgage market. With net interest margins increasing from 5% to 5.3%, borrowers could benefit from more favourable lending conditions in the near future.

    Frequently asked questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between the purchase of a new property and the sale of an existing one. It is often used in property transactions to secure quick funding.

    How does the increase in gross lending affect the mortgage market?

    The increase in gross lending indicates a healthy demand for mortgage products, which can lead to more competitive rates and options for borrowers, particularly in the bridging finance sector.

  • Recognise’s Gross Lending Surge: Impact on the Mortgage Market

    Recognise’s Gross Lending Surge: Impact on the Mortgage Market

    Recognise has reported a remarkable increase in gross lending, with its bridging loan balances more than doubling. This significant growth highlights a shift in the mortgage market, particularly benefiting landlords and property investors looking for flexible financing options.

    TL;DR: Recognise’s gross lending has surged, with bridging balances exceeding previous levels; this trend is important for landlords and property investors seeking adaptable financing solutions.

    How Has Recognise’s Loan Book Grown?

    Recognise’s loan book has surpassed a significant milestone, with bridging loans now constituting a substantial portion of the total. The increase in bridging finance indicates a rising demand for short-term lending solutions. In contrast, professional buy-to-let (BTL) lending remained relatively stable, while commercial lending has seen a decline.

    What Regions Are Seeing the Most Growth in the Mortgage Market?

    Regionally, London continues to dominate, with lending rising significantly. The South East has also experienced notable growth, while the North West saw an uptick. These figures suggest a concentrated interest in property investment in these areas, making them attractive for landlords and investors.

    What This Means for Landlords and Investors in the Mortgage Market

    The doubling of bridging loan balances signals a shift towards more flexible financing options, which can be particularly advantageous for landlords and property investors. As Recognise prepares to launch regulated bridging in the near future, there will be more opportunities for borrowers seeking short-term solutions. This could lead to increased competition in the mortgage market, potentially benefiting borrowers through better rates and terms. For those interested, exploring current mortgage rates may provide additional insights.

    What Are Recognise’s Financial Highlights?

    Recognise reported a profit after tax for the year, a significant turnaround from a previous loss. This includes restructuring costs and a deferred tax asset. The bank’s net interest income rose significantly, with net interest margin improving. These positive financial indicators reflect the lender’s effective strategy and operational changes, which may influence future lending practices.

    Frequently asked questions

    How does the increase in bridging loans affect the mortgage market?

    The increase in bridging loans indicates a growing demand for flexible financing options, which may lead to more competitive rates and terms for borrowers in the mortgage market.

    What should landlords consider with these changes?

    Landlords should consider the growing availability of bridging finance as a strategic tool for property investment, especially in high-demand regions like London and the South East.

  • Brickflow Reports £520M in Bridging Finance Offers

    Brickflow Reports £520M in Bridging Finance Offers

    The latest data from Brickflow indicates a significant £520 million in property finance offers for the second quarter of 2026. This surge highlights the ongoing demand for bridging finance, particularly as development finance searches dominate the market.

    TL;DR: Brickflow recorded £520 million in property finance offers in Q2 2026; development finance accounted for 61% of searches, impacting landlords and investors.

    What Are the Key Figures from Q2 2026?

    During the second quarter, development finance offers totalled £236.5 million, while bridging finance offers reached £258.9 million. Commercial mortgage offers were lower at £24.6 million. Notably, development finance searches represented over £8 billion of the total value of searches conducted on Brickflow’s platform, showcasing a strong interest in this area.

    How Have Search Trends Changed for Bridging Finance?

    Despite the overall increase in offers, searches for bridging finance fell by 13.6%, while commercial mortgage searches decreased by 22.1% and development finance searches dropped by 8.3%. In contrast, requests for decisions in principle rose, with bridging finance up 6% and commercial mortgages up 12%. This divergence suggests a cautious approach among borrowers, despite the availability of finance.

    What Does This Mean for Landlords and Investors in Bridging Finance?

    The decline in bridging searches may indicate a tightening of lending criteria or a shift in market sentiment among landlords and investors. However, the increase in lenders willing to finance land with detailed planning permission—up 61% since Q4 2025—could provide new opportunities for development projects. With HBI Capital, Pallas Capital, and Bridge Invest joining Brickflow’s lender panel, borrowers now have more options for bridging and development finance.

    Frequently Asked Questions

    What is bridging finance?

    Bridging finance is a short-term loan used to bridge the gap between purchasing a new property and selling an existing one, often used in property transactions.

    How can I get a bridging loan?

    To obtain a bridging loan, you typically need to approach a lender, provide details about the property, and demonstrate your repayment strategy, often through the sale of another property. For more information, check our bridging finance guide.

  • Recognise Reports 51% Lending Increase in Mortgage Market

    Recognise Reports 51% Lending Increase in Mortgage Market

    Recognise has announced a significant 51% rise in gross lending, with its bridging loan balances more than doubling, reflecting a robust growth strategy in the mortgage market. This surge is particularly relevant for landlords and investors seeking opportunities in a competitive lending environment.

    TL;DR: Recognise’s gross lending has surged 51%, with bridging loan balances increasing from £124m to £303.8m; this growth may benefit landlords and property investors looking for financing options.

    What are the key financial figures?

    Recognise’s loan book has surpassed £500 million, with bridging loans now constituting two-thirds of the total book. The bridging loan balances rose dramatically to £303.8 million, while professional buy-to-let lending remained stable at £88.4 million, showing only a slight increase from the previous year. Commercial lending, however, declined from £58.8 million to £49.5 million in 2026.

    How does this impact the mortgage market?

    The substantial increase in bridging loans indicates a growing demand for short-term financing solutions among property investors. With London remaining the largest market for Recognise, rising from £88.3 million to £153.2 million, the South East and North West also saw notable increases. This trend suggests that investors may find more accessible funding options in these regions, which could stimulate further property transactions.

    What does this mean for landlords and property investors?

    For landlords and property investors, Recognise’s growth in bridging finance is a positive sign. The lender’s plans to introduce regulated bridging in FY27 could provide even more opportunities for those seeking flexible financing options. Furthermore, with a reported profit after tax of £8.9 million, compared to a loss of £5.3 million the previous year, Recognise appears to be stabilizing and expanding its offerings, which may lead to more competitive rates and terms in the mortgage market.

    Frequently asked questions

    What are bridging loans and how do they work?

    Bridging loans are short-term loans used to bridge the gap between the purchase of a new property and the sale of an existing one. They are typically used by property investors to secure financing quickly.

    How can I benefit from Recognise’s lending growth?

    If you are a landlord or investor, Recognise’s increased lending capacity may provide you with more options for financing your property purchases or renovations, especially in high-demand areas.

  • Landlords Eye Refinancing Opportunities in 2026

    Landlords Eye Refinancing Opportunities in 2026

    Recent research indicates a significant trend among UK landlords, with 76% planning to refinance their property portfolios within the next year. This shift aims to support new investments, highlighting the resilience of the buy-to-let sector.

    TL;DR: A striking 76% of landlords are likely to refinance within 12 months; this trend reflects growing confidence in the buy-to-let market and could impact investment strategies.

    Why Are Landlords Choosing to Refinance?

    The primary motivation for refinancing among landlords is to secure funds for new investments. According to the findings, over a third (36%) of landlords are “very likely” to refinance, while 40% are “somewhat likely.” Only 12% expressed that they are unlikely to pursue refinancing. This trend suggests that landlords are looking to optimise their portfolios and seize new opportunities in the property market.

    How Does This Impact Different Regions?

    Geographically, the trend shows a shift in buy-to-let lending patterns. The North West has seen a 3.3 percentage point increase in Together’s buy-to-let lending since 2020, while Scotland and Yorkshire and the Humber have also experienced gains. Conversely, Greater London and the South East have seen a decline in their share of lending, dropping from 23.6% in 2020 to 20% in 2025. This regional shift indicates changing dynamics in property investment across the UK.

    What This Means for Landlords

    For landlords, the inclination to refinance could signify a more competitive environment for securing financing. With many landlords looking to expand their portfolios, brokers may find increased demand for refinancing options. This trend also suggests that landlords are optimistic about the future of the buy-to-let market, which could lead to more investment activity. Landlords should stay informed about current mortgage rates to take advantage of potential refinancing opportunities.

    Frequently asked questions

    What are the benefits of refinancing for landlords?

    Refinancing can provide landlords with access to lower interest rates, improved cash flow, and additional funds for further investments, enhancing their overall portfolio performance.

    How can landlords prepare for refinancing?

    Landlords should review their current mortgage terms, assess their property values, and consult with mortgage brokers to explore the best refinancing options available in the market.