blog mortgage118

Tag: Property Investment

  • London Sees House Prices Fall Amid National Stagnation

    London Sees House Prices Fall Amid National Stagnation

    The latest analysis reveals that London is the only region in the UK experiencing a decline in house prices, with forecasts suggesting a further drop of nearly £5,000 by the end of 2026. This trend highlights a stark contrast to other regions, where house prices have remained relatively stable or have even increased, impacting buyers, landlords, and investors in the capital.

    TL;DR: London house prices are projected to decline by £4,766 by December 2026; this downturn contrasts with growth in other UK regions, affecting potential buyers and investors in the capital.

    Why Are House Prices Falling in London?

    According to recent data, the average house price in London has decreased by 0.2% per month over the past year. This decline is attributed to stagnation in the property market, which has seen minimal growth across most of Britain. The North East, for instance, has recorded the strongest average monthly growth at 0.8%, while London’s average price is expected to drop from £552,655 to £547,889 by December 2026.

    How Do Other Regions Compare?

    While London struggles, other regions are witnessing varying degrees of house price growth. The North East leads with an average increase of 0.8% per month, followed closely by Yorkshire and the Humber and the North West at 0.6%. The West and East Midlands have both seen a growth rate of 0.5%. Overall, house prices in England have increased by an average of 0.3% per month, contrasting sharply with London’s decline.

    What This Means for Buyers and Investors

    For potential buyers and investors in London, the ongoing decline in house prices may present opportunities for negotiation and lower entry costs. However, the forecasted drop of nearly £5,000 means that those currently holding properties in the capital may see a reduction in their equity. With the average London home losing almost £21,000 since its peak in July 2025, it’s important for stakeholders to reassess their strategies in light of these trends.

    Frequently Asked Questions

    What is the current average house price in London?

    The current average house price in London is £552,655, but it is projected to fall to £547,889 by December 2026.

    Which UK region is seeing the highest house price growth?

    The North East is experiencing the strongest house price growth in the UK, with an average increase of 0.8% per month.

  • RAW Capital Partners Expands Bridging Finance Range

    RAW Capital Partners Expands Bridging Finance Range

    RAW Capital Partners has launched a new range of bridging finance products, enhancing its offerings for UK landlords and investors. This move follows the company’s recent expansion into the UK resident market, which began in December 2025, and aims to provide fast and reliable financing solutions.

    TL;DR: RAW Capital Partners now offers bridging loans from £100,000 to £4 million for UK property investors; with terms from three to 18 months, this is a significant option for brokers and landlords seeking quick funding.

    What is the new bridging finance range?

    The Guernsey-based lender has introduced bridging finance products designed to cater to a variety of property investment needs. Loan sizes range from £100,000 to £4 million, with terms available from three to 18 months. The maximum loan to value (LTV) is set at 60%, with pricing structured on a tiered basis according to LTV. This flexible offering is particularly beneficial for those looking to finance property quickly.

    How does this impact UK landlords and investors?

    The introduction of bridging finance options allows UK landlords and property investors to access quick funding, which is important in a competitive market. With the focus on speed and certainty of execution, investors can seize opportunities without lengthy delays. This can be particularly advantageous for those looking to secure properties that may require rapid transactions.

    Who can benefit from RAW Capital Partners’ bridging finance?

    Brokers and property investors are the primary beneficiaries of this new range. The products are tailored to meet the needs of those who require swift financing solutions, whether for purchasing buy-to-let properties or for other investment strategies. The assurance of quick funding can help brokers serve their clients more effectively, enhancing their service offerings.

    Frequently asked questions

    What are the terms for the new bridging finance products?

    The new bridging finance products offer loan sizes from £100,000 to £4 million, with terms ranging from three to 18 months and a maximum LTV of 60%.

    How can brokers and investors access these loans?

    Brokers can access these bridging loans through RAW Capital Partners, which emphasizes speed and certainty in execution, ideal for quick property transactions.

  • London House Prices Decline Amidst Stagnation Elsewhere

    London House Prices Decline Amidst Stagnation Elsewhere

    Recent analysis reveals that London is the only UK region experiencing a decline in house prices, with forecasts indicating a potential drop of nearly £5,000 by the end of 2026. This trend highlights a stark contrast to other regions, where house prices have generally remained stable or increased modestly.

    TL;DR: London house prices are projected to fall by £4,766 by December 2026, contrasting with growth in other regions; this impacts homeowners and investors in the capital.

    Why Are London House Prices Falling?

    House Buyer Bureau’s analysis shows that London has recorded an average monthly decline of -0.2% over the past year, making it unique among UK regions. In contrast, the North East has seen the highest growth at 0.8% per month. Other areas like Yorkshire and the Humber, and the North West, have also performed better than London, with monthly increases of 0.6% and 0.5%, respectively.

    What Does This Mean for Homeowners?

    If the current trend continues, the average house price in London is expected to decrease from £552,655 to £547,889 by December 2026. This decline would mark a total loss of nearly £21,000 since the peak of £568,801 in July 2025. Homeowners in London should be prepared for potential challenges in selling their properties or refinancing existing mortgages, as falling values may impact equity and borrowing capacity.

    How Are Investors Affected?

    For property investors, the stagnation in London’s house prices may signal a shift in strategy. With the capital’s market underperforming compared to other regions, investors might consider diversifying into areas with stronger growth rates, such as the North East or Yorkshire and the Humber. Understanding these dynamics is important for making informed investment decisions.

    What This Means for Borrowers and Brokers

    Borrowers looking to secure mortgages in London may face tighter lending conditions as property values decline. Brokers should advise clients on the implications of falling house prices, particularly regarding loan-to-value ratios and potential refinancing options. Staying updated on current mortgage rates will also be essential for navigating this changing market.

    Frequently asked questions

    Will London house prices continue to fall?

    Current forecasts suggest that London house prices may continue to decline if market conditions do not improve, with a potential drop of £4,766 by the end of 2026.

    How does this affect my mortgage options?

    Falling house prices can impact your equity and loan-to-value ratio, which may lead to stricter lending criteria. It’s important to consult with a mortgage broker to explore your options.

  • RAW Capital Partners Introduces New Bridging Finance Options

    RAW Capital Partners Introduces New Bridging Finance Options

    RAW Capital Partners has launched a new range of bridging finance products aimed at enhancing its offerings for UK property investors. This move follows the lender’s recent expansion into the UK resident market, allowing them to cater to a wider audience beyond foreign nationals and expats.

    TL;DR: RAW Capital Partners now offers bridging loans from £100,000 to £4m for UK property investors; the new products feature terms from three to 18 months and a maximum LTV of 60%.

    What is Bridging Finance?

    Bridging finance is a short-term loan option designed to provide quick access to funds for property transactions. It is typically used by investors who need to secure a property quickly before permanent financing is arranged. The new range from RAW Capital Partners offers flexibility with loan sizes ranging from £100,000 to £4 million.

    How Does This Affect UK Property Investors?

    The introduction of these bridging finance options is significant for UK property investors, particularly those looking to act quickly in a competitive market. With terms available from three to 18 months and a maximum loan-to-value ratio of 60%, investors can secure funding rapidly, which is essential for purchasing properties or completing renovations.

    What Should Brokers Know?

    Brokers should note that these products are structured with a tiered pricing model based on the loan-to-value ratio, which can help them tailor solutions for their clients. The emphasis on speed and certainty in execution means that brokers can expect a streamlined process when working with RAW Capital Partners.

    What This Means for Borrowers

    For borrowers, the new bridging finance options provide an opportunity to use quick funding for property investments. With funding sourced from the RAW Mortgage Fund, which manages over £220 million in assets, borrowers can benefit from a reliable and swift lending process, important for capitalising on investment opportunities.

    Frequently asked questions

    What are the typical uses for bridging finance?

    Bridging finance is often used for purchasing properties quickly, financing renovations, or covering gaps in property transactions where timing is critical.

    How quickly can I access bridging finance?

    Bridging finance can typically be arranged quickly, often within a matter of days, making it ideal for urgent property purchases.

  • RAW Capital Partners Launches Bridging Finance Range

    RAW Capital Partners Launches Bridging Finance Range

    RAW Capital Partners has introduced a new range of bridging finance products aimed at UK landlords and investors. This move expands their offerings beyond bespoke mortgages for foreign nationals and UK expats, marking a significant step into the UK resident market.

    TL;DR: Loan sizes for bridging finance range from £100,000 to £4 million, with terms from three to 18 months; this new offering aims to support brokers and investors seeking quick funding solutions.

    What is the new bridging finance range?

    The Guernsey-based lender’s bridging finance products are designed to provide quick access to capital for property investments. Loan amounts vary from £100,000 to £4 million, with flexible terms ranging from three to 18 months. The maximum loan-to-value (LTV) ratio is set at 60%, and pricing is tiered based on LTV, allowing for tailored solutions depending on the specific needs of borrowers.

    Why is this significant for the UK property market?

    This launch is particularly important for landlords and property investors who require fast financing options. With the current economic climate placing pressure on traditional lending, bridging finance can serve as a vital tool for securing properties quickly, especially in competitive markets. The focus on speed and certainty of execution is designed to meet the urgent needs of brokers and their clients.

    What does this mean for brokers and investors?

    Brokers will benefit from a new financing option that prioritizes efficiency, which is essential in a fast-paced property market. The backing of the RAW Mortgage Fund, which manages over £220 million in assets, provides confidence in the lender’s ability to deliver on its promises. Investors looking for quick financing solutions can use these products to capitalize on time-sensitive opportunities in property acquisition.

    Frequently asked questions

    What types of properties can I use bridging finance for?

    Bridging finance can be used for a variety of property types, including residential, commercial, and buy-to-let properties, making it a versatile option for investors.

    How quickly can I access funds with bridging finance?

    Bridging finance is designed for speed, with many lenders, including RAW Capital Partners, aiming to provide funds within days, depending on the specifics of the application.

  • RAW Capital Partners Launches Bridging Loans for Investors

    RAW Capital Partners Launches Bridging Loans for Investors

    RAW Capital Partners, a specialist lender based in Guernsey, has introduced bridging loans to its range of financial products, marking a significant expansion for the company. This move is particularly relevant for landlords, brokers, and investors seeking quick financing options secured against UK residential properties.

    TL;DR: RAW Capital Partners now offers bridging loans ranging from £100,000 to £4 million; this expansion provides new financing opportunities for landlords and investors.

    What are the details of the new bridging loans?

    The bridging loans from RAW Capital Partners are unregulated, first-charge loans secured against UK residential property. Borrowers can access loans from £100,000 up to £4 million, with terms ranging from three to 18 months. The maximum loan-to-value (LTV) ratio is set at 60%, with interest rates tiered based on the LTV. This flexibility allows investors to quickly secure funding for property acquisitions or renovations.

    Who can benefit from these bridging loans?

    The new bridging loans are designed for a diverse range of borrowers, including foreign nationals, UK expatriates, and Channel Islanders who have previously invested in UK buy-to-let properties. As of December 2025, RAW Capital Partners expanded its lending criteria to include UK residents, broadening its potential client base. This change is significant for those needing fast access to capital in a competitive property market.

    What this means for landlords and investors

    The introduction of bridging loans by RAW Capital Partners offers landlords and investors a valuable tool for financing property transactions quickly. With the ability to secure substantial loans at competitive rates, property buyers can act swiftly in a dynamic market, potentially gaining an edge over competitors. The emphasis on speed and certainty in the lending process is particularly beneficial for those looking to capitalise on time-sensitive opportunities.

    Frequently asked questions

    What types of properties can be used for securing bridging loans?

    Bridging loans can be secured against UK residential properties, providing flexibility for various investment strategies.

    How long does it take to obtain a bridging loan from RAW Capital Partners?

    The lender focuses on speed and certainty, aiming to provide quick access to funds, typically within a matter of days.

  • RAW Capital Partners Introduces Bridging Loans

    RAW Capital Partners Introduces Bridging Loans

    RAW Capital Partners, a specialist lender based in Guernsey, has expanded its offerings by introducing bridging loans secured against UK residential properties. This move is significant as it allows for unregulated, first-charge loans, providing a new financing option for various borrowers.

    TL;DR: RAW Capital Partners now offers bridging loans secured against UK residential properties; this expansion benefits brokers and investors seeking quick financing solutions.

    What are the key features of RAW Capital’s bridging loans?

    The new bridging loans from RAW Capital Partners are designed to cater to a variety of borrowers, including foreign nationals, UK expatriates, and now UK residents. These loans are particularly attractive for investors looking to secure fast funding for property acquisitions or renovations. The loans will be financed through the RAW Mortgage Fund, ensuring a robust backing for these financial products.

    How does this impact landlords and property investors?

    This development is particularly relevant for landlords and property investors who often require quick access to capital for property purchases or improvements. The ability to secure bridging loans provides flexibility and speed, which are critical in the fast-paced property market. Borrowers can tailor their financing to their specific needs and risk profiles.

    What this means for brokers and financial advisors

    For brokers, the introduction of these bridging loans presents an opportunity to offer clients a wider array of financing options. The emphasis on speed and certainty in the lending process aligns with the needs of many clients looking to act quickly in the property market. As RAW Capital Partners continues to expand its lending criteria, brokers should monitor these developments closely to better serve their clients.

    Frequently asked questions

    What types of properties can be used for bridging loans?

    Bridging loans from RAW Capital Partners can be secured against UK residential properties, making them suitable for various investment purposes.

    What is the maximum loan amount available?

    The maximum loan amount available through RAW Capital’s bridging loans is significant, with a minimum requirement also in place.

  • RAW Capital Partners Expands Bridging Finance Options

    RAW Capital Partners Expands Bridging Finance Options

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

    TL;DR: RAW Capital Partners now offers bridging finance loans from £100,000 to £4 million, targeting UK landlords and property investors; the new products promise quick execution and competitive terms.

    What is the new bridging finance range?

    The Guernsey-based lender has launched bridging finance options with loan sizes ranging from £100,000 to £4 million. These loans are available for terms between three to 18 months and come with a maximum loan-to-value (LTV) ratio of 60%. The pricing is tiered based on LTV, allowing for flexibility depending on the borrower’s needs.

    How does this impact UK landlords and property investors?

    This new offering is particularly relevant for UK landlords and property investors looking for quick financing solutions. The bridging finance products are designed to provide speed and certainty, which are essential for investors needing to act swiftly in a competitive property market. With funding sourced from the RAW Mortgage Fund, which manages over £220 million in assets, borrowers can expect a reliable and efficient service.

    Why is speed and certainty important in bridging finance?

    In the fast-paced property market, the ability to secure funding quickly can make a significant difference for investors. Bridging finance often serves as a temporary solution, allowing landlords to seize opportunities such as property purchases, renovations, or auctions without the delays typical of traditional mortgage processes. RAW Capital Partners emphasizes these qualities as key benefits of their new range.

    Frequently asked questions

    What types of properties can be financed with bridging loans?

    Bridging loans can be used for various property types, including residential buy-to-let, commercial properties, and development projects, depending on the lender’s criteria.

    How quickly can I access bridging finance?

    RAW Capital Partners aims to provide quick execution, allowing borrowers to access funds within days, making it suitable for urgent property transactions.

  • 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%.