RAW Capital Partners tweaks new build lending criteria

RAW Capital Partners has updated its lending criteria for new build properties.

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 lend to UK residents.

Under the updated criteria, RAW Capital Partners will no longer apply a new build premium deduction when valuing new build properties. Instead, lending will be based on current market value, subject to a maximum LTV of 65%.

The change is designed to provide greater certainty for clients, while also helping to reduce down-valuations and, in some cases, support higher loan amounts.

Previously, RAW Capital Partners assessed new build properties on a second-hand basis, which could lead to greater valuation uncertainty. By removing the deduction for the new build premium and introducing a 65% LTV cap, the lender expects the revised criteria to give brokers and their clients greater certainty over final loan amounts, while also allowing access to lower rates in line with the lower LTV.

Tim Parkes, CEO of RAW Capital Partners, said: “This change is designed to give brokers and borrowers greater certainty when financing new build properties.

“By lending against current market value, rather than deducting a new build premium, we can provide a clearer and more consistent outcome on loan amount. We hope this will better help clients achieve their property investment goals.

“It’s a practical change based on market feedback, and one that will help make the borrowing experience more straightforward for clients purchasing new build properties.”