RAW Capital Partners allows foreign nationals to service mortgage debt from UK bank account

RAW Capital Partners has enhanced its mortgage proposition to allow foreign nationals to service their mortgage interest directly from a UK bank account.

The Guernsey-based specialist lender has 10 years of experience in providing bespoke mortgages to foreign nationals, UK expats and Channel Islanders investing in UK buy-to-let property. In December 2025, it expanded its offering to UK residents.

The latest improvement to its offering is designed to reduce the cost and administrative burden of servicing mortgage debt from overseas, helping borrowers avoid the friction associated with cross-border transfers and currency conversion.

The move will also mean that landlords with properties in the UK, but who are themselves based overseas, can use their rental income to meet interest payments in the same way as other property-related expenses, creating a smoother and more efficient repayment process.

According to brokers, the change is particularly helpful for investors with infrastructure such as UK bank accounts or limited company structures, where rental income is already received and managed in the UK.

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, 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.”