RAW Capital Partners has announced a series of pricing changes, including rate cuts at higher loan-to-value tiers and the integration of jurisdictional risk into its standard product structure.

The Guernsey-based investment management firm, which lends through the RAW Mortgage Fund, specialises in mortgage finance for foreign nationals, UK expats and Channel Islanders.

It increased its maximum LTV from 55% to 70% at the start of July, following what it described as a decade of more conservative lending.

As part of the changes, interest rates on its 65% and 70% LTV products have been reduced by 0.25% and 0.50% respectively, with rates for foreign nationals now starting from 6.24%.

The firm has also removed additional pricing for applications from high-risk jurisdictions, instead embedding jurisdictional risk into its core pricing. Other risk factors will continue to be assessed on a case-by-case basis.

RAW said the shift aims to streamline the underwriting process and improve transparency for both intermediaries and clients. The firm has also reinstated a flat £950 repayment fee. This sits alongside its existing features, including no stress testing and decisions in principle within one business day.

Tim Parkes, chief executive of RAW Capital Partners, said the changes were driven by strong demand and a desire to make the offering more straightforward for brokers and borrowers.

“We’re always looking for ways to adapt and streamline our offering to better serve brokers and their expat or international clients. Since we raised our maximum LTV limit, we’ve experienced significant demand, but we were also keen to further improve and simplify our pricing structure.

“Today’s rate reductions and revised risk considerations will remove friction from the process, giving brokers and their clients a clearer picture of affordability from the outset. I’m confident our new-and-improved offering will land really well.”