Flexible assessment of circumstances

non-uk-residents

Non-UK residents

Specialist UK Buy-to-Let Lending for Non-UK Residents. 4.25% + base rate (subject to a base rate floor of 0.75%). 5 year term. Up to 55% LTV +more.

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uk-residents

UK residents

Short-term secured lending available to UK residents from c. 0.4% per month. 11 month term. Up to 55% LTV +more.

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uk-expats

UK expats

Special rates for British nationals overseas. 3.99% + base rate (subject to a base rate floor of 0.75%). 5 year term. Up to 55% LTV +more.

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channel-islands

Channel Islands

A simple, fast and flexible option for those resident in the Channel Islands from 4.50% (subject to a floor of 0.75%). 5 year term. Up to 55% LTV +more.

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Our people

Olivia Fraser

Olivia Fraser

Mortgage Executive

Olivia first started working for RAW Capital Partners in 2019 as an intern between her Journalism studies at Winchester University and has since become a full time and integral member of the team. Olivia’s primary focus is on loan origination, marketing and business development projects across the company.

In her spare time, Olivia enjoys the outdoors and taking advantage of Guernsey’s scenic coastal walks.

Kirsty Mauger

Kirsty Mauger

Senior Mortgage Executive

Kirsty joined RAW Capital Partners in 2020 as an Executive Assistant and provides support to the mortgage origination team.

Prior to joining RAW, Kirsty held various roles at NatWest, including personal mortgage adviser. Kirsty holds the Award in Financial Administration from the Chartered Insurance Institute.

Kirsty enjoys long-distance running when she's not running around after her 4-year-old daughter.

Louis Le Cras

Louis Le Cras

Mortgage Executive

Louis joined RAW Capital Partners in 2021 as part of our new Graduate Programme, through which he will gain exposure to all the different facets of the business. Currently, he is assisting the Loan origination team within the capacity of a mortgage executive, although he will be rotating to the investment sales team shortly.

Louis holds a Bachelor of Arts in History from the University of Winchester in addition to A-Levels in Ancient History, History and Religious Studies and an AS-Level in Geography.

David Brehaut

David Brehaut

Fund Executive

David joined RAW Capital Partners in 2019 as a Trainee Fund Executive and provides support to the growing RAW team, assists with management of fund assets and contributes to the firm’s reporting.

David holds the ACCA Level 2 Diploma in Financial Management Accounting and Introductory Certificate in Financial and Management Accounting. He has A-levels in Economics, Business Studies and ICT.

In his free time David plays tennis, squash, and volunteers at church.

Josh Bonsall

Josh Bonsall

Senior Fund Executive

Josh is responsible for analysis and risk management, helping ensure RAW Capital maintains delivery of consistent returns for investors. Josh works closely with our professional counterparties to ensure maintenance of good quality fund assets and high-quality service delivery. He is a member of the Credit Committee and acts as secretary to the Investment Committee.

Josh has experience in mortgage lending, private equity investing and currency hedging. He has developed expertise in database management and process improvement.

Heather Hutchins

Heather Hutchins

Trainee Executive

Heather first joined RAW Capital Partners in 2021 under our Internship Programme and has since become a full-time member of the team.

Heather recently completed her A-levels in Business Studies, Psychology and Sociology at the Guernsey Grammar School and Sixth Form Centre. 

In her spare time, Heather enjoys meeting with friends, going for walks, and in the future, she wants to travel.    

Sophie Cariou

Sophie Cariou

Fund Executive

Sophie joined RAW Capital Partners in April 2021 as a fund executive, predominantly to support the RAW client servicing team.

Prior to taking time to raise a family, Sophie has more than 15 years’ experience in the investment management industry primarily in the hedge fund sector. Sophie also spent 5 years working for an institutional pension fund manager in Vancouver.

Julie Merrien

Julie Merrien

Fund Executive

Julie joined RAW Capital Partners in 2021 as an Executive Assistant and provides support to the Client Servicing Team.

Before taking time out to raise a family, Julie worked at Barclays for seventeen years during which time, she covered a variety of roles including taking security for Personal and Corporate lending.

In her spare time Julie enjoys reading, gardening, and spending time with the family.

Tom Lees

Tom Lees

Intern

Tom works at RAW Capital Partners under the Internship Programme

He is currently studying for his Master’s in Data Analytics for Government.

Tom is Guernsey native and loves to sea swim, sail, boulder and tinker with robots.