RAW Capital Partners delivers 70% LTV BTL mortgage to UK expat and partner

RAW Capital Partners has successfully issued a buy-to-let (BTL) mortgage with a 70% loan-to-value (LTV), demonstrating the lender’s expertise in serving expat and overseas borrowers.

The Guernsey-based investment management firm, through the RAW Mortgage Fund, specialises in providing tailored financial solutions to foreign nationals, UK expats, and Channel Islanders.

For the last 10 years, the lender has offered a maximum LTV of 55%, with limited second charge available. The company recently announced, however, that as of the 1 July 2025, it will increase its maximum LTV to 70%.

In this case, a broker approached RAW Capital Partners on behalf of a Shanghai-based couple who wanted to add a two-bedroom apartment in North London to their existing property portfolio. One was a UK expat who is married to a Chinese national, both of whom are teachers.

The broker was facing challenges in placing the case, with many lenders shying away from Chinese borrowers, particularly those on more modest salaries. Yet RAW Capital Partners considers each enquiry on a case-by-case basis, and in this instance, following extra KYC checks, the lender was comfortable with the financial circumstances of the couple.

After completing extensive due diligence, RAW Capital Partners was able to issue a loan worth £350,000 at its new maximum LTV of 70%.

Tim Parkes, CEO of RAW Capital Partners, said: “It has been great to see such early uptake following the introduction of our new LTV limit. It’s something we’ve been planning for some time, so it’s encouraging that brokers and borrowers are already seeing the value in it, with a high volume of applications coming in since we announced the change. 

“This case is a good example of how the updated LTV limit – which can be combined with our core offerings, such as decisions in principle within one business day and no stress testing – allows us to better support expat and overseas borrowers. In this instance, both borrower types were involved in a single case, and our expert team were able to provide a straightforward solution that met their needs in a timely manner.

“We’re pleased to get off to a strong start in this new era and to build on our relationship with the broker.”