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Tag: UK mortgages

  • RAW Capital Partners Expands Bridging Loan Offerings

    RAW Capital Partners Expands Bridging Loan Offerings

    RAW Capital Partners, a specialist lender based in Guernsey, has introduced bridging loans to its product range, providing new financing options for UK property investors. This addition is significant as it allows for unregulated, first-charge loans secured against UK residential properties, catering to a broader audience of borrowers.

    TL;DR: RAW Capital Partners now offers bridging loans from £100,000 to £4 million, targeting UK property investors; this expansion enhances financing options for landlords and brokers.

    What are the details of the new bridging loans?

    The newly launched bridging loans range from £100,000 to £4 million, with terms lasting between three to 18 months. The loans come with a maximum loan-to-value (LTV) ratio of 60%, and the interest rates are tiered based on the LTV. This structured approach allows borrowers to choose a loan that aligns with their financial strategy.

    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. Since December 2025, RAW Capital has expanded its lending criteria to include UK residents, thereby broadening access to these financial products.

    What this means for property investors and brokers

    The introduction of bridging loans by RAW Capital Partners is a positive development for landlords and brokers seeking quick financing solutions. With the lender’s RAW Mortgage Fund managing over £220 million in assets, the emphasis on speed and certainty in the lending process is important for those needing immediate capital to seize investment opportunities.

    Frequently asked questions

    What is a bridging loan?

    A bridging loan is a short-term financing option that helps borrowers bridge the gap between immediate financial needs and long-term funding solutions.

    How do I apply for a bridging loan with RAW Capital Partners?

    Interested borrowers can apply through brokers who work with RAW Capital Partners, ensuring they meet the criteria for the desired loan amount and terms.

  • RAW Capital Partners Launches New Bridging Loan Offerings

    RAW Capital Partners Launches New Bridging Loan Offerings

    RAW Capital Partners, a specialist lender based in Guernsey, has introduced bridging loans to its portfolio, aiming to enhance its offerings for UK property investors. This move is significant as it allows for quick financing solutions, which can be essential in the fast-paced property market.

    TL;DR: RAW Capital Partners now offers unregulated bridging loans from £100,000 to £4 million, targeting UK property investors; this expansion is designed to provide fast funding options for brokers and borrowers.

    What Are the Key Features of the New Bridging Loans?

    The newly launched bridging loans from RAW Capital Partners are available in amounts ranging from £100,000 to £4 million, with terms spanning three to 18 months. The loans are secured against UK residential properties, featuring a maximum loan-to-value (LTV) ratio of 60%. Interest rates are tiered based on the LTV, allowing for flexibility depending on the borrower’s circumstances. Funding for these loans will come from the RAW Mortgage Fund, which boasts over £220 million in assets.

    Who Can Benefit from These Bridging Loans?

    These bridging loans are particularly beneficial for foreign nationals, UK expatriates, and Channel Islanders who are looking to invest in UK buy-to-let properties. Additionally, since RAW Capital Partners expanded its lending criteria to include UK residents in December 2025, a broader audience can now access these financial products. The emphasis on speed and certainty in the loan process is designed to attract brokers and investors who require quick turnaround times.

    What This Means for Property Investors and Brokers

    The introduction of bridging loans by RAW Capital Partners is a significant development for property investors and brokers. With the ability to secure funding quickly, investors can seize opportunities in the property market without lengthy delays. Brokers will also benefit from having more options to present to their clients, enhancing their service offerings in a competitive market.

    Frequently asked questions

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

    The bridging loans are secured against UK residential properties, making them suitable for various types of residential investments.

    How quickly can borrowers expect to receive funding?

    RAW Capital Partners emphasizes speed and certainty in their loan offerings, although specific timelines may vary based on individual circumstances.

  • Mortgage Market Update: Key Changes and Trends

    Mortgage Market Update: Key Changes and Trends

    The UK mortgage market is experiencing significant shifts as new affordability rules from the FCA encourage more borrowers to switch lenders. Recent research indicates that 98% of modified affordability assessments in Q1 2026 were used for external remortgages, highlighting the impact of these changes on consumer behaviour.

    TL;DR: 98% of modified affordability assessments were used for external remortgages in Q1 2026, indicating a surge in borrower switching; major lenders are raising rates by up to 20 basis points, affecting new and existing mortgage products.

    How are lenders responding to rising costs in the mortgage market?

    Several major UK lenders, including Barclays, Halifax, HSBC, TSB, and Skipton, have recently increased selected mortgage rates by up to 20 basis points. This trend is a direct response to rising swap rates, which have increased funding costs for these institutions. NatWest has also announced similar price hikes for both residential and buy-to-let mortgages, further indicating a tightening in the mortgage market.

    What does the surge in switching mean for borrowers in the mortgage market?

    The FCA’s new affordability rules are allowing more borrowers to switch to different lenders rather than sticking with their current providers. This shift is particularly beneficial for those looking to secure better deals in a fluctuating market. With a significant percentage of borrowers now able to remortgage, it’s essential for them to stay informed about the latest rates and options available. For those considering a switch, comparing mortgage rates can be important in finding the best deal.

    What changes are happening with major lenders in the mortgage market?

    In addition to raising rates, lenders like Santander are expanding their offerings, including new 10-year fixed deals and options for new builds. Meanwhile, Accord Mortgages is adjusting many of its residential and buy-to-let rates, with some products seeing reductions. Newcastle for Intermediaries has also relaunched its joint borrower sole proprietor mortgage range, indicating a competitive environment as lenders adapt to market conditions.

    What this means for landlords and investors in the mortgage market

    For landlords and property investors, the recent changes in the mortgage market signal a need for vigilance. With many lenders increasing rates, the cost of borrowing is likely to rise, impacting profitability. However, the surge in remortgaging opportunities may allow savvy investors to secure better terms or refinance existing loans. Keeping an eye on current mortgage rates and understanding the implications of new affordability assessments will be vital for making informed decisions.

    Frequently asked questions

    What should borrowers consider when switching lenders?

    Borrowers should evaluate the full cost of switching, including any fees, the new interest rates, and the terms of the mortgage. Additionally, they should consider how the new lender’s affordability assessments will impact their borrowing potential.

    How can landlords manage rising mortgage costs?

    Landlords can manage rising mortgage costs by reviewing their current mortgage arrangements, exploring remortgaging options, and considering fixed-rate deals to lock in lower rates for the long term. Staying informed about market trends is also important for making strategic investment decisions.

  • Mortgage Market Update: Swap Rate Surge Drives Rate Hikes

    Mortgage Market Update: Swap Rate Surge Drives Rate Hikes

    The UK mortgage market is experiencing significant changes as swap rates surge, leading to increased mortgage pricing across various lenders. The rise in swap rates, driven by geopolitical tensions and rising oil prices, is making mortgages more expensive for borrowers, impacting both new and existing customers.

    TL;DR: The two-year swap rate has jumped to 4.258%, prompting lenders like Nationwide and HSBC to raise mortgage rates; existing borrowers and new applicants will face higher costs.

    What is Driving the Rise in Mortgage Rates?

    As of 22 July, the two-year swap rate reached 4.258%, up from 3.993% the previous month. Similarly, the five-year swap rate increased from 4.034% to 4.316%. This surge is attributed to escalating tensions between the US and Iran, particularly the closure of the Strait of Hormuz, which has led to a spike in oil prices, hitting $100 for the first time since May. These swap rate increases are a key indicator of future borrowing costs, impacting mortgage pricing significantly.

    How Are Lenders Adjusting in the Mortgage Market?

    Several lenders have already adjusted their mortgage rates in response to the rising swap rates. Nationwide has raised rates for existing borrowers, with the two-year fixed rate for additional borrowing at 60% loan to value (LTV) increasing from 4.37% to 4.6%. At 75% LTV, the rate rose from 4.46% to 4.68%. Similar increases were seen across the 80-90% LTV tiers and fee-free five-year fixed options. HSBC has also announced rate hikes effective from 27 July, marking the second increase within the same week. Accord has adjusted its pricing as of 24 July, raising fixed residential rates for new business up to 90% LTV by 0.2%.

    What This Means for Borrowers and Landlords

    For borrowers, the rise in mortgage rates means higher monthly payments and increased costs when seeking new loans or refinancing existing mortgages. Existing customers looking to switch products will also face elevated rates. For landlords, the changes in buy-to-let (BTL) rates, with increases of 0.1% across all new business rates, will affect profitability and cash flow. The adjustments made by lenders like TSB, which increased two-year fixed residential purchase rates by up to 0.2%, further compound the challenges for both new and existing borrowers. As mortgage pricing continues to rise, it is essential for borrowers to stay informed about current mortgage rates and consider their options carefully.

    Frequently Asked Questions

    How will the increase in swap rates affect my mortgage?

    The increase in swap rates typically leads to higher mortgage rates, meaning you may face higher monthly payments if you’re taking out a new mortgage or refinancing an existing one.

    What should I do if my lender raises my mortgage rate?

    If your lender raises your mortgage rate, consider reviewing your options. You may want to explore switching to a different product or lender to secure a better rate, especially if you are nearing the end of your fixed-rate period.

  • 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.

  • 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.

  • Mortgage Market Update: Rates Rise Amid Swap Surge

    Mortgage Market Update: Rates Rise Amid Swap Surge

    The UK mortgage market is experiencing significant changes as swap rates soar, leading to increased mortgage pricing across various lenders. This surge is largely attributed to geopolitical tensions, particularly the escalating conflict between the US and Iran, which has driven oil prices to $100 per barrel for the first time since May. As a result, borrowers are facing higher costs for their mortgages.

    TL;DR: The two-year swap rate has jumped to 4.258%, prompting lenders like Nationwide and HSBC to raise mortgage rates; borrowers should prepare for increased costs.

    What are the latest changes in the mortgage market?

    As of July 22, the two-year swap rate rose from 3.993% to 4.258%, while the five-year swap rate increased from 4.034% to 4.316%. These changes have led to various lenders adjusting their mortgage rates. Nationwide has raised rates on several products for existing borrowers, including a two-year fixed additional borrowing product at 60% loan to value (LTV), which increased from 4.37% to 4.6%. Additionally, the rate for a 75% LTV deal rose from 4.46% to 4.68%. The fee-free five-year fixed options also saw price hikes.

    Which lenders are increasing their rates in the mortgage market?

    Nationwide is not alone in its rate adjustments. HSBC has announced its second rate increase of the week, effective from July 27, while Accord has raised new business rates for fixed residential mortgages up to 90% LTV by 0.2%. Notably, TSB has lifted rates on its two-year fixed residential purchase and remortgage products by up to 0.2%, with new rates starting at 4.59% for a deal at 60% LTV. Virgin Money has also adjusted its product transfer rates, increasing residential pricing by as much as 0.23%.

    What does this mean for borrowers and landlords?

    The rising swap rates and subsequent mortgage pricing hikes mean that borrowers and landlords will face higher costs when securing new mortgages or refinancing existing ones. For example, Nationwide’s two-year fixed product at 60% LTV now costs 4.6% with a £999 fee, which could impact affordability for many. Landlords looking to invest in buy-to-let properties will also see increased rates, as all new business rates for buy-to-let (BTL) mortgages have risen by 0.1%. This trend suggests that prospective buyers and current homeowners should act swiftly if they are considering locking in a rate before further increases occur.

    What should borrowers watch for next in the mortgage market?

    Borrowers should stay alert to further changes in the mortgage market, particularly as lenders continue to respond to fluctuating swap rates. With geopolitical tensions affecting economic stability, it is important for borrowers to monitor their options closely. Those looking to switch or secure a mortgage should consider comparing rates actively to find the best deal available. For ongoing updates, check our mortgage rate comparison tool.

    Frequently asked questions

    How do rising swap rates affect mortgage rates?

    Rising swap rates typically lead to higher mortgage rates as lenders adjust their pricing to maintain profitability. This means borrowers may face increased costs for new mortgages or refinancing.

    What should I do if I need a mortgage now?

    If you need a mortgage, consider acting quickly to secure a rate, as lenders are increasing prices. Comparing current mortgage rates can help you find the best deal before further hikes.

  • Surge in Swap Rates Affects UK Mortgage Market

    Surge in Swap Rates Affects UK Mortgage Market

    The recent surge in swap rates has led to a significant increase in mortgage pricing across the UK, impacting both existing borrowers and new applicants. As the conflict between the US and Iran escalates, the financial repercussions are felt in the mortgage market, with lenders adjusting their rates in response to rising costs.

    TL;DR: The two-year swap rate jumped from 3.993% to 4.258%, prompting lenders like Nationwide and HSBC to raise mortgage rates; borrowers should prepare for higher costs.

    What are Swap Rates and Why Do They Matter in the Mortgage Market?

    Swap rates are critical indicators in the mortgage market, reflecting the cost of borrowing between banks. When swap rates rise, as seen recently, lenders often pass on these costs to consumers through increased mortgage rates. This latest spike, driven by geopolitical tensions and rising oil prices, indicates a tightening financial environment for borrowers.

    How Have Lenders Responded to Rising Swap Rates?

    In light of the recent increases, several major lenders have adjusted their mortgage offerings. Nationwide has raised rates on various products, including a two-year fixed mortgage at 60% loan to value (LTV), which now stands at 4.6%, up from 4.37%. Similar adjustments were made for other LTV tiers and fee-free options. HSBC has also announced rate increases, effective from 27 July, marking the second hike within the same week. Accord and TSB have followed suit, with fixed residential rates climbing by up to 0.2%.

    What This Means for Borrowers and Landlords in the Mortgage Market

    For borrowers, especially those looking to remortgage or take out new loans, these rate hikes translate to higher monthly payments and overall borrowing costs. Existing borrowers with fixed-rate deals may not feel the immediate impact, but those nearing the end of their terms should prepare for less favorable conditions upon renewal. Landlords seeking buy-to-let mortgages are also affected, as rates for new business have increased, which could influence investment decisions and rental pricing strategies.

    What Should Borrowers Watch Next in the Mortgage Market?

    Borrowers should closely monitor the mortgage market for further rate changes, especially as lenders continue to adjust their products in response to swap rate fluctuations. It may be prudent to consult with mortgage brokers to explore available options and secure the best possible rates before any further increases occur. Additionally, staying informed about geopolitical developments that could impact swap rates will be important for making informed financial decisions.

    Frequently Asked Questions

    Why are mortgage rates increasing now?

    Mortgage rates are rising primarily due to increased swap rates, driven by geopolitical tensions and rising oil prices. Lenders are adjusting rates to reflect these higher borrowing costs.

    How can I find the best mortgage rates?

    To find the best mortgage rates, consider using comparison tools, consulting mortgage brokers, and staying updated on market trends. Explore options like current mortgage rates for the latest information.

  • 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 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.