"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"
- Tim Parkes - Raw Capital Partners
RAW Capital Partners has reduced interest rates on its higher loan-to-value (LTV) mortgage products and integrated jurisdictional risk into its standard pricing, removing separate risk premiums for high-risk countries.
The Guernsey-based investment management firm, which operates the RAW Mortgage Fund, offers bespoke mortgage solutions to UK expatriates, foreign nationals, and Channel Islanders. On 1 July, the lender raised its maximum LTV offering from 55% to 70%, marking a significant change after a decade at the lower threshold.
Rates on its 65% and 70% LTV products have now been cut by 0.25% and 0.50% respectively. Starting rates for foreign nationals begin at 6.24%.
The company has also adjusted its pricing framework to reflect jurisdictional risk directly in the base product, rather than applying separate surcharges. This change eliminates additional costs for applicants from higher-risk countries and aims to simplify the lending process. Other elevated-risk considerations will still be reviewed individually.
Alongside the rate cuts, RAW has reinstated a flat £950 repayment fee. This sits alongside its core features, including decisions in principle delivered within one business day and an absence of stress testing in affordability assessments.
“We’re always looking for ways to adapt and streamline our offering to better serve brokers and their expat or international clients,” said Tim Parkes, CEO of RAW Capital Partners (pictured). “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.”
