RAW Capital Partners launches new fixed-rate terms with discounts for large loans and UK expats

RAW Capital Partners has introduced a new range of short- and medium-term fixed-rate mortgage products, which include discounts for UK expats and larger loans.

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 1-, 2- and 3-year fixed-rate mortgages, which start from 6.50% with a maximum LTV of 55%.

SHORT-TERM FIXED OPTIONS

The lender has retained its short-term fixed options – it has tracker loans available from 2.00% (+BBR), with flexible early repayment options and fee-free capital reductions on second charge loans. Meanwhile, monthly fixed rates remain at 0.69%, with a maximum term of two years.

For borrowers securing loans over £1 million, a 0.25% discount is available on both the fixed interest rate and the reversion rate. UK expats can also benefit from the same discount. This means that for UK expats securing loans over £1 million, 6.00% rates are available on its fixed-rate products.

CREEPING UNCERTAINTY

Tim Parkes, chief executive of RAW Capital Partners, — Tim Parkes, RAW Capital Partners,

Tim Parkes, chief exectutive of RAW Capital Partners, said: “The UK property market started the year strongly, and while positive momentum remains, over recent weeks uncertainty has crept in as a result of the stamp duty changes, new tax year and Trump’s trade policies.

“Now is the time for lenders to double down on findings ways to inject confidence into the market, so I’m delighted to reveal our new fixed-rate options, which we’re confident will land well with borrowers seeking greater certainly for the years ahead.”

UNIQUE CHALLENGES

And he added: “Our focus remains, as always, on addressing the unique challenges faced by non-UK residents, including expats and international investors – we are willing to consider almost any application and will work to mitigate risks wherever possible.

“As a result, we’re even better placed to help clients access the UK property market with confidence and certainty, and no doubt brokers and borrowers alike will find significant value in our new offering.”