A quick and simple option for buy-to-let borrowers


Buy-to-Let specialists

Purchase, refinance or equity release. Loans from £50,000 to £2.5 million. Maximum 55% loan to valuation ratio. Interest only.

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Outstanding service

We take pride in the flexibility of our lending criteria and speed with which we make decisions. Quicker and easier application process than the competition.

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Flexible approach

With direct access to decision-makers, we consider each case on its merits. All situations considered.

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UK Buy-to-Let Mortgages for Non-UK resident Individuals, Companies and Trusts.

Eligibility criteria

We are a specialist lender to non-UK residential individuals, companies and trusts.

We are proud of our flexible approach. We have no set maximum age restrictions; no specific employment, income nor asset requirements. All applications are considered on their merits.

Property types

As experienced mortgage providers, we lend against quality UK residential property and review each individual application on its merits. Our senior team and credit committee take time to carefully consider each proposal we receive.

While all situations are considered, we prefer to lend against:

  • Completed residential property
  • Located in major towns and cities in the British Isles
  • Good quality property in a decent state of repair

Our rates & fees

Our mortgages for non-UK residents start at 4.50% over Bank of England Base Rate (subject to a base rate floor of 0.75%) with arrangement fees from 2%.

Application and related fees will be set dependent on both the borrower and the subject property. These fees are payable in advance.

Borrowers can benefit from a choice of paying interest in advance monthly or quarterly. All payments must be paid from a non-UK bank account.

An annual review fee of £500 is payable by all borrowers during the term of their mortgage.

Finally, there are no early repayment charges (ERCs) associated with our mortgages. Instead, we charge a £950 fee for each and every capital repayment.

The next steps...

Once we have received your application, we will prepare the case for submission to our experienced Credit Committee. You can expect to hear from us within 24 hours – either with one or two additional questions or with a decision in principle.

If the decision in principle is positive, you will be provided with a confirmation letter, terms & conditions, and instructions on what happens next.

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Applying for a RAW Mortgage product could not be easier and our response times are second to none. Download the application form today - select the option that is best for you to get started!


A choice of funds designed to safeguard your capital and provide attractive returns. Target net annualised returns up to 4.25%

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