RAW Capital Partners introduces fee-free mortgage overpayment up to 10%

RAW Capital Partners is giving new customers the ability to make one fee-free overpayment of up to 10% of their outstanding loan balance each year.

The Guernsey-based specialist lender provides bespoke mortgages to foreign nationals, UK expats, and Channel Islanders buying buy-to-let investment property in the UK. As of December 2025, it also began providing mortgages to UK residents.

The new overpayment option is designed to provide greater flexibility for landlords using interest-only mortgages, allowing them to reduce their loan balance, increase equity across their UK property portfolios, and lower the total cost of borrowing over the life of the loan.

Under the new terms, borrowers can make a single annual overpayment of up to 10% of the outstanding loan amount without incurring early repayment charges.

It will be available to both UK resident and non-UK resident clients.

Tim Parkes, CEO of RAW Capital Partners, said: "It’s the start of a new year, and we know that many landlords will be scrutinising their portfolios and their finances. For our clients, this new overpayment option gives them a straightforward way to reduce leverage, build equity and manage costs, without sacrificing the flexibility of an interest-only structure.

"Following the launch of our UK product last month, this enhancement further strengthens our proposition and reflects ongoing feedback from brokers and borrowers who are looking for greater optionality within their financing. I’m confident they’ll find great value in this new offering, and we’ll be announcing further improvements in the coming weeks."