Raw Capital Partners Limited
Raw Capital Partners Limited is a Guernsey-based specialist asset manager operating the RAW Mortgage Fund, which provides first-charge mortgage lending against UK residential property to non-UK residents, British expats, Channel Islanders, and bridging borrowers, managing over £220m of investor assets.
- Company typePrivate
- Founded2012
- HeadquartersSt. Peter Port
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
What Raw Capital Partners Limited does
RAW Capital Partners Limited is a Guernsey-incorporated, privately held asset management company founded in 2012 that operates the RAW Mortgage Fund, an open-ended Class B Scheme authorised by the Guernsey Financial Services Commission (GFSC). The fund invests in mortgage loans secured by first legal charge over UK and Channel Islands residential property, with over £220m in assets under management, more than 1,200 loans written across its 10-year history, and a current average loan-to-valuation ratio of approximately 47%. The firm specialises in serving borrower segments that mainstream UK lenders underserve: non-UK residents (foreign nationals), British expats, Channel Islanders, and UK residents seeking short-term bridging finance. Lending is originated against purchase, refinance, and equity-release use cases at conservative LTVs, with maximum 70% LTV permitted per loan. The company operates through three Guernsey, London, and Southampton offices, with London functioning as the intermediary sales hub and Southampton housing finance, risk, and compliance teams.
The company runs a two-sided business model. On the investor side, it earns management fees on the RAW Mortgage Fund, which is distributed directly to high-net-worth, professional, and institutional investors (excluding US and retail investors) under GFSC authorisation and FCA National Private Placement Regime registration. On the borrower side, it generates arrangement fees (1.5%–2.0% of loan amount, with a £2,500 minimum) plus recurring annual review fees (~£500 per loan per year). Origination flows primarily through a network of over 100 UK mortgage brokers, intermediaries, and introducers, supported by a dedicated London intermediary sales team and a direct-application channel via the company website. Liquidity is supported by an OakNorth Bank revolving credit facility (£40m), and a related second-charge subsidiary (RAW LendCo) absorbs the 5% tranche on higher-LTV originations. The company is led by CEO Tim Parkes and Managing Director Ben Nichols, with Mark Stevens serving as Head of Credit since July 2024.
Raw Capital Partners Limited firmographics
Firmographics- Name
- Raw Capital Partners Limited
- Legal name
- RAW Capital Partners Limited
- Website
- https://rawcapitalpartners.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Raw Capital Partners Limited is a Guernsey-based specialist asset manager operating the RAW Mortgage Fund, which provides first-charge mortgage lending against UK residential property to non-UK residents, British expats, Channel Islanders, and bridging borrowers, managing over £220m of investor assets.
- Ownership category
- akta.pro rank
Raw Capital Partners Limited industry classification
Industry- Product category
- Specialist Mortgage Lending & Asset Management
- NAICS
- Real Estate Credit (522292), Other Investment Pools and Funds (5259), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199)
- akta.pro primary industry
- Senior Secured Direct Lending (FSANADAA)
- akta.pro secondary industries
- Private Credit / Direct Lending (FSAAAHAG), Direct Lending — Senior Secured (First Lien) (FSAHAJAA), Middle-Market Lending (FSANADAI)
Keywords
Where Raw Capital Partners Limited is headquartered
LocationHeadquarters
- HQ city
- St. Peter Port
Offices3 records
Markets served
Raw Capital Partners Limited business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Investment Management Fees: RAW Capital Partners manages the RAW Mortgage Fund and earns fees on assets under management. The fund manages over £220m of investor assets.
- Mortgage Arrangement Fees: Arrangement fees charged to borrowers when originating mortgage loans. Fees start from 1.5% for buy-to-let mortgages (min £2,500) and 2.0% for short-term/bridging loans.
- Annual Review Fees: Annual review fees charged to borrowers throughout the loan term, typically £500 per loan per year.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Short-term lending for UK residents |
| Usage-based | Pay-as-you-go | Buy-to-let lending for UK residents |
| Usage-based | Pay-as-you-go | Short-term lending for foreign nationals |
| Usage-based | Annual | Buy-to-let lending for non-UK residents |
| Usage-based | Pay-as-you-go | Higher LTV mortgage products |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Raw Capital Partners Limited product offering
Product offeringCore offering
RAW Capital Partners operates two integrated lines: it manages the RAW Mortgage Fund (an open-ended Guernsey Class B Scheme) which invests investor capital in first-lien UK and Channel Islands residential mortgages, and it originates those mortgages itself through a specialist lending team. The fund holds over £220m of assets across more than 1,200 loans with an average LTV of around 47%, while the lending business offers buy-to-let and bridging mortgages from £100,000 to £4 million at up to 70% LTV to foreign nationals, British expats, UK residents (bridging), and Channel Islands borrowers.
Differentiator
Problem solved
Functional benefit
Products and services
- RAW Mortgage Fund
- Mortgages for Non-UK Residents (Foreign Nationals)
- Mortgages for British Expats
- Mortgages for UK Residents (Bridging)
- Mortgages for Channel Islands Residents
- Buy-to-Let Mortgages
Quantifiable outcome
- Positive returns every single month over 10 years with no down months
- +4 more outcomes
Companies that use Raw Capital Partners Limited
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles5 records
Raw Capital Partners Limited technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Raw Capital Partners Limited partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor.
- Guernsey Raiders Rugby ClubminorRAW Capital Partners is the match ball sponsor for Guernsey Raiders Rugby Club for the 24/25 season. The club offers adult and youth rugby for both men and women and is RFU associated.
- Richmond Rugby ClubminorRAW Capital Partners is the headline sponsor of Richmond Rugby Club in London for the 2024/25 season. Branding appears on front of Men's, Women's and Youth Boys and Girls kits. Richmond is one of the world's oldest rugby clubs formed in 1861.
- Guernsey Yacht ClubminorRAW sponsored dinghy races for the 2023 Island Games as part of the Dorey Financial Modelling Regatta organized by Guernsey Yacht Club.
- Carbon Neutral BritainminorPartnership to offset CO2 emissions through carbon reduction projects around the world, focusing on the WoodlandFund including reforestation in Nicaragua, planting biodiverse forests in Panama, wind farm in Philippines, and rice husk power project in Cambodia.
- Pollinator ProjectminorRAW was a proud sponsor of the 30/30 Art Auction, a joint initiative with Les Bourgs Hospice to highlight the importance of pollinators and raise funds. The event raised £22,000 split between the Pollinator Project, Les Bourgs Hospice, and artists.
- Clean Earth TrustminorPartnership with local Guernsey charity focused on sustainability and reducing environmental impact. RAW employees participated in beach clean at Havelet Bay, collecting 15kg of rubbish.
Scale indicators14 records
Recent moves7 records
Expansion highlights5 records
Raw Capital Partners Limited competitors and assessment
Company assessmentDirect peers
- Kensington Mortgages: UK specialist self-employed and complex-income residential mortgage provider. Directly comparable niche strategy and broker-led GTM to RAW's specialist lending approach.
- Pepper Money: UK specialist residential mortgage lender for self-employed, complex-income and non-standard borrowers. Comparable in serving customers mainstream lenders decline and in intermediary distribution model.
- Foundation Home Loans: UK specialist residential and buy-to-let mortgage lender serving complex borrower profiles (expats, limited companies, unusual income). Closely comparable to RAW in focus on underserved borrowers via intermediary distribution.
- Together Money: Specialist UK mortgage and secured-lending provider focused on borrowers with complex circumstances — comparable target customer profile to RAW's expat and non-UK resident segments, with similar intermediary-led distribution.
- Fleet Mortgages: Fleet is a UK specialist buy-to-let mortgage lender distributing exclusively through intermediaries. Like RAW, it serves portfolio and professional landlords with flexible criteria outside the mainstream.
- Investec Bank UK: Investec's UK mortgage business lends to high-net-worth, expat and international clients purchasing UK residential property — the same primary borrower segments RAW serves. Comparable specialist, relationship-led underwriting and presence in the non-standard income / overseas-borrower niche.
- Paragon Banking Group: Established UK specialist buy-to-let mortgage lender via intermediary channels, with a large loan book and institutional funding lines. Comparable business model in specialist BTL/intermediary distribution.
Broad incumbents
- Octopus Property: UK alternative property finance provider offering bridging, development and specialist mortgages through intermediaries. Comparable in specialist, intermediary-led UK property lending, with broader product scope.
- Aldermore Bank: UK challenger bank with a specialist residential and buy-to-let mortgage franchise targeting segments underserved by high-street banks. Overlapping borrower profile but broader product range than RAW.
Emerging players
- Bluestone Mortgages: Specialist UK residential mortgage lender for self-employed and complex-income borrowers. Smaller and more focused than RAW's peers above, but competing for the same underserved borrower pool via intermediary channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key highlights7 records
Customer concentration
Raw Capital Partners Limited social profiles
Digital presenceRaw Capital Partners Limited financial estimates
Financial estimateRevenue estimate
Valuation estimate
Raw Capital Partners Limited leadership team
Management profileNumber of profiles
Profiles18 records
Raw Capital Partners Limited subsidiaries and ownership
Company hierarchySubsidiaries3 records
Raw Capital Partners Limited funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Raw Capital Partners Limited M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Raw Capital Partners Limited
What does Raw Capital Partners Limited do?
RAW Capital Partners operates two integrated lines: it manages the RAW Mortgage Fund (an open-ended Guernsey Class B Scheme) which invests investor capital in first-lien UK and Channel Islands residential mortgages, and it originates those mortgages itself through a specialist lending team. The fund holds over £220m of assets across more than 1,200 loans with an average LTV of around 47%, while the lending business offers buy-to-let and bridging mortgages from £100,000 to £4 million at up to 70% LTV to foreign nationals, British expats, UK residents (bridging), and Channel Islands borrowers.
Is Raw Capital Partners Limited a public or private company?
Raw Capital Partners Limited is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Raw Capital Partners Limited founded?
Raw Capital Partners Limited was founded in 2012. It employs 1 to 10 people.
Where is Raw Capital Partners Limited based?
Raw Capital Partners Limited is headquartered in St. Peter Port.
How does Raw Capital Partners Limited make money?
Three revenue lines are on record. Investment Management Fees are the primary driver. The others are mortgage Arrangement Fees and annual Review Fees.
Who are Raw Capital Partners Limited's main competitors?
Direct peers on record are Kensington Mortgages, Pepper Money, Foundation Home Loans, Together Money, Fleet Mortgages, Investec Bank UK and Paragon Banking Group. Broad incumbents are Octopus Property and Aldermore Bank. Bluestone Mortgages is listed as an emerging player.
Does Raw Capital Partners Limited have an API?
No public API is recorded for Raw Capital Partners Limited.
What industry is Raw Capital Partners Limited in?
Raw Capital Partners Limited's product category is Specialist Mortgage Lending & Asset Management. Its primary akta.pro industry code is FSANADAA, Senior Secured Direct Lending, with a secondary code of FSAAAHAG, Private Credit / Direct Lending. Its NAICS code is 522292 and its SIC code is 6162.