Specialist lender RAW Capital Partners has introduced automated valuation models on eligible mortgage applications, allowing property valuations to be carried out before an agreement in principle is issued.
The Guernsey-based lender, which provides bespoke mortgages to foreign nationals, UK expats and Channel Islanders investing in UK buy-to-let property, said the change is designed to speed up decision-making on lower-risk cases while preserving its manual, tailored approach for more complex lending.
As part of the move, automated valuation models will be used on eligible applications with loan-to-value ratios of up to 60%, secured against completed residential property in established residential areas. Loan sizes are capped at £300,000 in London and £200,000 elsewhere in the UK.
The lender said the availability of valuations at a pre-AIP stage would give brokers and borrowers earlier clarity on whether a case is likely to proceed, reducing uncertainty at the outset of the application process.
The enhancement applies to both UK-resident and non-UK resident borrowers. RAW Capital Partners began offering mortgages to UK residents in December 2025, expanding beyond its traditional focus on international and expatriate clients.
Tim Parkes, chief executive of RAW Capital Partners, said: “Speed and certainty are increasingly important for brokers and borrowers, particularly at the early stages of an application.
“Introducing automated valuations on more vanilla cases allows us to provide clarity more quickly, without compromising the flexibility that defines our proposition.
“Following the launch of our UK product, this enhancement means an even wider range of borrowers will access the speed our team specialises in providing.
“We’re always looking for ways to improve our offering, and I’m confident this enhancement will create a smoother process for borrowers and brokers alike.”
