RAW Capital Partners has passed its 2024 lending total with three months of the year still to go, making 2025 its most successful year on record.

The Guernsey-based lender, which specialises in mortgages for complex cases and clients underserved by mainstream providers, said September saw its highest monthly inflows into the new business pipeline since the firm was founded.

Tim Parkes, chief executive of RAW Capital Partners, attributed the growth to an enhanced product range and continuing overseas appetite for UK property. The lender recently increased its maximum loan-to-value from 55% to 70% and has focused on improving the speed and simplicity of its service to brokers.

Demand from foreign nationals in the Far East, Middle East and Africa has also been a major driver. RAW has built a reputation for delivering buy-to-let mortgages in cases where other lenders are unwilling to do so.

Parkes said: “The mortgage and buy-to-let sectors are still battling with a fair amount of uncertainty, both politically and economically. This makes our successes this year all the more pleasing.

“Clearly, our products and our approach to lending are resonating with brokers and borrowers of all shapes and sizes, and we’re already setting bold targets to smash 2025’s figures next year.

“The RAW team deserves a huge amount of credit. From the salespeople to the underwriters, a lot of hard work has gone into making 2025 our best-ever year.

“We’ve a really strong, motivated group, and this is at the heart of delivering great products and an exceptional service. It’s onwards and upwards from here.”