RAW Capital Partners launches new five-year fixed rates

RAW Capital Partners has introduced a new range of five-year fixed rates, which includes discounted rates for UK expats, larger loans, and completions before the end of the current tax year. 

The Guernsey-based investment management firm, through the RAW Mortgage Fund, specialises in providing tailored financial solutions to foreign nationals, UK expats, and Channel Islanders. 

It is now offering five-year fixed rate mortgages with a minimum loan amount of £150,000 and a maximum LTV of 55%. For UK expats, five-year fixes start at 6.99% for loans over £1 million, or 7.25% for loans under £1 million. For other borrowers (such as non-UK resident individuals, trusts and companies) rates stand at 7.25% and 7.50% respectively.

RAW Capital Partners has also refreshed its wider range of products, with its one-year fixed rate periods extended to the middle of next year and loan terms extended. For instance, it is offering one-year fixes starting for UK expats from 5.99%, reverting to 2.75% plus the Bank of England Base Rate once the fixed term ends.

A further 0.25% discount is offered on loans completing before the end of the UK tax year on 5th April 2025. Tracker products are also available.

Earlier this week, Paradigm added RAW Capital Partners to its lender panel.

Tim Parkes, chief executive of RAW Capital Partners, said: “We’re delighted to reveal our new rates, which have been refreshed to ensure we’re well placed to meet the demands of brokers and their clients in 2025. As ever, we remain keenly focused on serving international borrowers, particularly with our range of products that are tailored to the needs of UK expats.

“Non-UK residents, including expats, have long been under-served by the mortgage market, but we have changed that, ensuring our products and services solve their pain points and allow them to pursue exciting property investment opportunities in the UK. We’re confident these latest changes to our products will be well received by brokers and borrowers alike, and we look forward to expanding our network of clients in the months to come.”