RAW Capital Partners Joins Brickflow Panel: What London Landlords Need to Know

New Short-Term Financing Option for London Landlords

RAW Capital Partners, a specialist lender based in Guernsey, has recently joined the Brickflow lending panel, offering short-term loans of up to £4 million on completed or near-completed UK residential properties. These loans come with flexible underwriting criteria that go beyond the standards of traditional high street lenders.

This update is particularly relevant for London landlords who often require swift, adaptable financing solutions to capitalise on market opportunities or manage complex investment scenarios.

Why This Matters to Private Landlords

The addition of RAW Capital Partners to Brickflow's panel expands the financing toolkit available to landlords by:

• Providing loans up to 70% Loan-to-Value (LTV) on residential properties, with terms up to two years.
• Catering to a broad borrower base, including private individuals, trusts, and companies.
• Offering underwriting flexibility that can accommodate non-standard income or property profiles.

For single-unit landlords and accidental landlords, this can mean easier access to funds without the lengthy criteria of mainstream lenders. For portfolio landlords and HMO operators, the ability to secure larger sums with flexible terms supports strategic acquisitions or refurbishment projects.

Practical Implications Across Your Operations

Finance: These short-term loans can bridge funding gaps quickly, supporting purchases, refurbishments, or refinancing. However, as short-term products, they often carry higher interest rates than traditional mortgages, so landlords should factor this into cash flow planning.

Compliance and Risk: Medium risk level means landlords should ensure robust exit strategies are in place before committing. Understanding the loan conditions, repayment schedules, and potential penalties for early repayment is critical.

Tenant Relations and Strategy: Access to fast financing can accelerate property improvements or acquisitions, potentially improving tenant satisfaction and portfolio quality. However, landlords must balance financing costs against rental income and market conditions.

What Landlords Should Do Now

1. Review Your Current and Upcoming Financing Needs: Identify if short-term loans could solve immediate funding challenges or enable faster portfolio growth.
2. Assess Eligibility and Terms: Contact Brickflow or RAW Capital Partners directly to understand detailed loan criteria, interest rates, fees, and repayment terms.
3. Plan Cash Flow and Exit Strategies: Ensure that loan repayment or refinancing plans are realistic within your financial projections.
4. Consult Your Financial or Mortgage Advisor: Professional advice can help align these specialist loans with your broader investment strategy.
5. Monitor Market Offers: As digital lending panels evolve, keep an eye on new entrants and loan products that might better suit your evolving needs.

Different Landlord Profiles and How This Fits

• Single-Unit Landlords: May use these loans for urgent property upgrades or bridging finance between sales and purchases.
• HMO Operators: Could leverage larger loans for multi-room refurbishments or conversions.
• Portfolio Landlords: Benefit from the flexibility to fund multiple projects or acquisitions without traditional lender constraints.
• Accidental Landlords: Might find the less stringent underwriting criteria helpful if income sources are irregular or complex.

How Rentals & Sales Can Support You

Our team can conduct a comprehensive portfolio review to identify where short-term financing might unlock value or ease cash flow pressures. We also offer compliance audits to ensure all lending and investment activities meet regulatory standards. Additionally, our pricing strategy service can help you align rental income with financing costs to maintain healthy returns.

Contact us to explore how these new lending options can be integrated into your property investment plans.

Compliance disclaimer: This article provides general information and is not financial advice. Landlords should consult qualified financial or legal professionals before making lending or investment decisions.