2025 is turning out to be a record-breaking year for RAW Capital Partners.
You may have seen some of the positive news in the mortgage magazines and websites of late because, with three months of the year still to go, RAW has already achieved its best year of lending on record.
Having surpassed the total value of loans we issued in 2024, September also marked the most successful month in our history in terms of inflows into our new business pipeline.
These are exciting milestones for any business, but in a market clouded by political and economic uncertainty, such growth is especially rewarding. From the very inception of our company ten years ago, we’ve focused on giving brokers and borrowers who have historically been overlooked by mainstream lenders access to fast, flexible specialist mortgages. Clearly, the appetite is there, for not just our products, but our quality of service, which is highly bespoke and yet also extremely transparent.
Ultimately, our record-breaking year shows that this focus and way of working is resonating in the market. But crucially, we have also invested heavily in recent months in improving our offering, and it is worth dwelling on this briefly when we consider the notable increase in demand for RAW’s mortgages.
Product enhancements have driven growth
A big part of our success in 2025 has come from our dedication to enhancing our product offering to better meet the needs of brokers and their clients.
Most notably, June saw us increase our maximum loan-to-value (LTV) to 70% after more than nine years in which our maximum LTV was capped at 55%. This change has opened up more opportunities for brokers to help clients with complex borrowing needs who might need additional leverage and who might otherwise struggle to secure finance.
What’s more, we made moves to simplify and improve our pricing and application process. Interest rates on higher LTV products were reduced – by 0.25% on 65% LTV and 0.50% on 70% LTV mortgages – while rates for foreign nationals were lowered to start from 6.24%.
When combined with decisions in principles (DIPs) coming within one business day and the fact we require no stress testing, these changes have elevated the speed and clarity with which we can deal with applications.
Together, these changes have made our lending process more transparent and reduced upfront costs for borrowers, reflecting our ongoing commitment to supporting brokers and their clients with practical, flexible solutions.
Demand continues to rise in the face of uncertainty
The bigger picture is equally important. It’s not just our improvements this year that have contributed to a surge in enquiries; RAW’s record growth in 2025 also reflects a resilient appetite for UK buy-to-let investments, even amid a backdrop of political and economic uncertainty.
With ongoing debate around the upcoming Autumn Budget (26 November) and mixed signals in the property market, many commentators had voiced caution. But, in our experience, demand from brokers and their clients has remained strong.
Foreign nationals, in particular, continued to seek UK property opportunities, with investors from the Far East, Middle East, and Africa driving much of this activity. Our reputation for working with brokers representing international clients means that we have become a go-to lender to help with cases that mainstream lenders cannot or will not take on.
This recent case study perfectly demonstrates this point : RAW Capital Partners issues refinance loan to help international borrower exit receivership
Our business development team has plenty of evidence to show that brokers value our ability to provide clarity, speed, and certainty for clients, helping them move quickly in a market that could otherwise feel unpredictable.
Looking to the future
September’s record month and the strong performance throughout 2025 show that our approach is resonating across the specialist finance market, both in the UK and internationally.
This achievement reflects the hard work and dedication of the entire RAW team and, as we look to the end of 2025 and beyond, we remain committed to building on this momentum.
The Autumn Budget will certainly create some challenges for brokers and investors, and the outlook for the base rate remains uncertain. However, we’ll ensure that we are continually refining our offering and helping brokers and their clients navigate the UK property market with confidence.
Need to place a complex case? Get in touch with our team today: https://rawcapitalpartners.com/