RAW Capital Partners is marking a decade of lending with a significant change to its proposition, raising its maximum loan-to-value ratio to 70% for all new cases from 1 July 2025.
The Guernsey-based investment management firm, which operates the RAW Mortgage Fund, has until now offered a maximum LTV of 55%, with limited availability of second charge options. The new offering will allow overseas and expat borrowers to access a 70% first charge loan on a simplified basis.
Founded in 2015, RAW Capital Partners has built a niche around supporting UK expats, foreign nationals and Channel Islanders investing in UK residential property. The firm’s move to a single-tier LTV limit is aimed at reducing friction and increasing clarity.
Brokers working with RAW will continue to be offered a decision in principle within one business day and no stress testing – measures designed to overcome some of the key barriers that non-resident borrowers face when seeking finance in the UK.
Tim Parkes, chief executive of RAW Capital Partners, said the change reflects both the lender’s growth and the evolving needs of its client base.
“As we celebrate a decade of successful, disciplined lending, this increase to our LTV limit represents a natural next step for our proposition – one that continues to evolve in line with the needs of expats and overseas investors,” he said.
“Too often, these borrowers are underserved by traditional lenders, and this change puts us in an even stronger position to bridge that gap with speed, flexibility, and clarity.”
Parkes added that the introduction of a single 70% LTV is intended to streamline the lending process at a time when investors and intermediaries are navigating an increasingly complex market.
“Right now, a number of market complexities are making it harder for brokers and borrowers to navigate the investment landscape. By introducing a single, straightforward 70% LTV, we’re removing unnecessary friction from the process,” he said.
“I’m confident brokers will find even greater value in our proposition from July, and we’re excited to support their clients in accessing the UK property market with confidence as we enter our second decade as a lender.”
