"This change to our offering is about removing friction and making the experience more consistent with how UK property portfolios are typically run."
- Tim Parkes - Raw Capital Partners
RAW Capital Partners has announced that it has updated its mortgage offering to allow foreign nationals to service interest payments directly from UK bank accounts.
The Guernsey-based specialist lender has a decade of experience providing bespoke mortgages to foreign nationals, UK expats, and Channel Islanders investing in UK buy-to-let property. In December 2025, it extended its products to UK residents. The latest improvement aims to reduce costs and administrative burdens for borrowers sending payments from overseas, avoiding friction caused by cross-border transfers and currency conversion.
The change allows landlords with UK properties but overseas residences to use their rental income to meet interest payments in the same way as other property-related expenses, creating a more efficient and streamlined repayment process. Brokers noted that the update is particularly valuable for investors using UK bank accounts or limited company structures, where rental income is already received and managed domestically.
“We welcome the new flexibility shown by RAW Capital Partners in enabling payments to be received from a UK bank account,” said Bulent Kandemir, managing director at Intra Private Finance.
“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.”
“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,” said Tim Parkes, chief executive officer at RAW Capital Partners (pictured). “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.”
