RAW Capital Partners has updated its mortgage proposition to allow foreign national borrowers to service interest payments directly from a UK bank account.

The specialist lender said the change is designed to reduce the cost and administrative burden associated with servicing mortgage debt from overseas, particularly where borrowers have existing UK banking arrangements.

The Guernsey-based lender has ten years of experience providing bespoke mortgages to foreign nationals, UK expats and Channel Islanders investing in UK buy-to-let property. In December 2025, it expanded its proposition to include lending to UK residents.

By allowing interest payments to be made from a UK bank account, the lender aims to remove friction linked to cross-border transfers and currency conversion.

The update also means overseas-based landlords can use UK rental income to meet interest payments in the same way as other property-related expenses, creating a more efficient repayment process.

Brokers said the change is particularly helpful for investors with existing UK infrastructure, such as bank accounts or limited company structures, where rental income is already received and managed domestically.

Bulent Kandemir, managing director at Intra Private Finance, said: “We welcome the new flexibility shown by RAW Capital Partners in enabling payments to be received from a UK bank account.

“Some clients prefer to make payments directly from the country where their funds originate. However, others have purchased their properties through a UK SPV limited company and have struggled to make payments, often incurring double or even triple transaction fees.

“These clients will particularly welcome the ability to avoid sending their rental income abroad only to transfer it back again.”

Tim Parkes (pictured), CEO of RAW Capital Partners, added: “Landlords based overseas often face additional layers of complexity when investing in the UK buy-to-let market, particularly around day-to-day cash management.

“This change to our offering is about removing friction and making the experience more consistent with how UK property portfolios are typically run.

“It’s a straightforward improvement that we’ve made based on ongoing feedback from brokers and borrowers, and it’s another example of our continued commitment to refining our proposition around the real-world needs of complex clients.”