How RAW’s recent product updates will help landlords and brokers navigate 2026

As we enter 2026, the investment outlook looks increasingly positive, yet many of the challenges that prevent investors from accessing the finance they need remain.

At RAW, we’ve spent the past year making significant changes to our lending offering, starting with the increase of our maximum LTV from 55% to 70% in June 2025. Since then, we’ve expanded flexibility and introduced enhancements designed to benefit both borrowers and brokers alike.

Across all of these updates, the goal has been consistent – to make borrowing smoother, faster, and more adaptable, ensuring our clients are well-equipped to succeed in 2026.

In this blog, we'll outline the key changes that you should be aware of:

Launching our UK product – filling the gaps left by the mainstream market

The launch of the RAW UK Mortgage Company in December 2025 marked a major milestone. For the first time, our unregulated lending products are available to UK residents, including companies and professional landlords.

Borrowers can access term loans of up to ten years for buy-to-let properties or bridging loans of up to eighteen months for renovation, refurbishment, or development-exit purposes. Every application will be considered, and features such as Pre-AIP valuations and mortgage overpayment options add further flexibility.

This update is particularly important for brokers and landlords dealing with clients who might not fit the criteria of traditional lenders, and the feedback from the market so far has been overwhelmingly positive.

Mortgage overpayments – giving borrowers more control

Flexibility is becoming increasingly important for landlords as they look to manage costs, build equity, and plan for the long term. To support this, we’ve introduced a new overpayment option that allows borrowers to make one fee-free overpayment per year of up to 10% of their outstanding loan balance.

This gives landlords the opportunity to actively reduce their interest-only exposure, accelerate equity growth across their portfolios, and lower the overall cost of borrowing over the life of the loan. Crucially, the option is available to both UK-resident and non-UK resident clients, ensuring a consistent approach regardless of where borrowers are based.

For brokers, this added flexibility provides a clear differentiator when discussing long-term strategy with clients, particularly those focused on portfolio optimisation rather than short-term gains.

Automated Valuation Models – speeding up decisions at the early stages

In a competitive market, speed can often be the difference between securing a deal and missing an opportunity. That’s why we’ve introduced Pre-AIP valuations through our Automated Valuation Model (AVM) process on eligible applications.

By using AVMs early , borrowers and brokers can benefit from a quicker indication of lending potential, helping to reduce uncertainty and shorten overall turnaround times. Eligible applications include loans up to 60% LTV on typical residential properties in established areas, with loan sizes up to £300,000 in London and £200,000 elsewhere.

This update supports a smoother journey for all parties involved, allowing brokers to move with confidence and helping landlords act decisively when opportunities arise.

Interest payments from UK bank accounts – creating a smoother process

For non-UK resident landlords, managing mortgage payments has traditionally come with additional complexity and cost. To address this, foreign national clients can now pay RAW Mortgage interest directly from a UK bank account.

This change allows rental income to be used to service mortgage interest in the same way as other property expenses, while reducing the friction and expense associated with overseas transfers.

The result is a simpler, more efficient payment process that mirrors the experience of UK-based borrowers and removes an unnecessary administrative hurdle for brokers managing international clients.

Looking ahead

Each of these updates reflects our broader commitment to listening to the market and responding with practical, flexible solutions

Whether it’s expanding access through our UK product, giving borrowers greater control over their loans, accelerating early-stage decisions, or simplifying cross-border payments, the focus has been on removing barriers and improving outcomes.

As 2026 unfolds, we’ll continue to build on this momentum, refining our proposition and exploring further enhancements that support landlords and brokers in an evolving market.

For more information, get in touch with our team, or check out our product guides for UK-resident borrowers and non-UK resident borrowers.