News in brief – 24 July 2025

RAW Capital Partners has cut interest rates on its higher loan-to-value (LTV) products and incorporated jurisdictional risk into its standard product pricing. Rates on the Guernsey-based firm’s 65% and 70% LTV mortgages have been reduced by 0.25% and 0.50%, respectively. RAW announced that its rates for foreign nationals will now start from 6.24%.

InterBay, part of specialist lender OSB Group, has announced several changes to its offering, which include rate reductions, lower minimum loan amount and a new range of owner occupier products to help support brokers with commercial clients. The firm’s rate reductions mean that selected commercial products now start from 6.54% and semi-commercial rates start from 5.49%, both featuring a 5% fee.

Landbay has launched a new “summer special” range of standard products, with rate reductions of up to 0.44% compared to existing product lines. This new range has added five products to the buy-to-let lender’s offering, including three new five-year fixed rate products – available at up to 75% LTV, and with rates starting at 4.35%. The remaining two new products are two-year fixed rates – also available at up to 75% LTV and with rates starting at 4.39%.



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