Buy-to-Let Mortgages for Non-UK resident Individuals, Companies and Trusts.
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 50% loan to valuation ratio
- Interest only
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 completition
- decision in principle business day following receipt of application
Flexible Approach
With direct access to decision-makers, we consider each case on its merits
- All situations considered
- No age restrictions
- No income requirements
- Non-UK trust and company borrowers welcome
Apply Today!
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!
Get Started
If you are applying on the behalf of one or more private individuals, we ask that you complete and return:
- an Application Form
- Providing a set of financial statements and, if applicable, a structure chart also help us reach a positive decision in a timely manner.
If you are applying on the behalf of one or more private individuals, we ask that you complete and return:
- an Application Form
Our standard form contains all the information we need to consider a standard case in a timely manner.
Download the application form to get started.
If you are applying on the behalf of a trust, we ask that you complete and return:
- an Application Form
- Providing a set of financial statements and, if applicable, a structure chart also help us reach a positive decision in a timely manner.
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 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 Fees
Our mortgages for non-UK residents start at 4.25% over Bank of England Base Rate with arrangement fees from 1.5%.
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.
Apply Today!
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!
Get Started
If you are applying on the behalf of one or more private individuals, we ask that you complete and return an Application Form
Please complete all of the questions, providing as much information as possible, as failure to do so may result in further questions and a delay in processing your application.
If you are applying on the behalf of a company, we ask that you complete and return an Application Form in the first instance.
After considering its contents, a member of our friendly team will be in touch to discuss next steps.
If you are applying on the behalf of a trust, we ask that you complete and return an Application Form in the first instance.
After considering its contents, a member of our professionaly team will be in touch to discuss next steps.