West One: Experts in Complex Cases

We are a leading provider of specialist mortgages and property finance, helping homeowners, landlords and property investors achieve their financial goals. 

Our Residential and Buy-to-Let offering aims to serve the wide-ranging needs of borrowers whether they are looking for a residential mortgage for their next home, or if they are an amateur or professional landlord.

We lend on a wide variety of property types to a broad range of borrowers. Our expert team are committed to delivering cases with speed and flexibility. We apply an individual approach to underwriting to ensure we review each case on its merits, ensuring we support clients with the smooth and secure purchase or re-mortgage they require.
 

Why use West One Buy-to-Let?

• Portfolio lending up to £10.5m per borrower - more than 20 applications or £3m lending by referral*

• Leasehold Block exposure to 20 units with up to 100% exposure possible - over 4 by referral**

• Maximum loan size of £3 million gross on standard and specialist product ranges

• Great turnaround times from enquiry to application and offer.
• Rental Stress calculation at 6.00% or pay rate for 5 Year fixed rate products.
• Minimum age is 21 and maximum age on application 80.
• First Time Landlords – HMO, MUFB & Holiday lets - No BTL experience required providing one applicant owns their main residence & has a mortgage payment credit profile.
• Ltd company  lending with no rate loading (SPVs no trading companies but can-do subsidiaries).
• Non-UK citizens living in the UK, Ex-Pats, outside of EEA and foreign nationals by referral
• Holiday Lets/Airbnb lending based on AST rental value so must appeal on this basis.
• No credit score – Equifax Credit search (Mortgage Payment Profile required).
• Late Mortgage payments paid within 30 days of the due date are ignored.
• Defaults/CCJ's registered more than 36 months ago satisfied or unsatisfied ignored on W2 product range.
• Inter-family sales – gifted equity and gifted deposit considered.
• No minimum income requirements or evidence generally required.
• Day One Re-mortgages considered - please refer.
• New build flats – refer over 5 stories & if above commercial for AIP.
• HMOs up to 10 bedrooms (referral required for over 6 beds and up to 10 beds by referral).
• Long-Term Corporate Lets & DSS/Student Tenants.
• Flats/House next to/above Commercial Premises up to 75% LTV on our Specialist Range - refer for AIP.
• Studio Flats (min 30sqm refer if less).
• Multi-unit freehold buildings max 10 units & residual/partial MUFBs refer for AIP.
• Ex-Local Authority Flats – referral if balcony/deck access (require 50% privately owned).
• Let to Buy (with simultaneous Completion on new home) and Consumer BTLs considered.
• Flexible approach towards portfolio landlords & No background portfolio stress test.
• Fast track re-mortgage options to speed up completions.

‘For more information on West One’s Buy-to-Let product range, please view the product guide.
 

Why use West One Residential Mortgages?

• Prime Plus Higher LTV, Prime Plus, Prime, Near Prime, Right to Buy and Shared Ownership products available
• Standard maximum LTI up to 5.0 times income across all plans
• LTI’s over 5.0 times income considered on Prime Plus Flex and Prime Flex subject to meeting eligibility requirements
• LTV’s up to 90% including First Time Buyers
• Minimum property value £75,000
• Available to employed, self-employed, contractors and retired applicants
• Skilled Worker Visa’s, Health and Care Worker Visa’s, and UK Ancestry Visa’s accepted up to 90% LTV
• Flexible loan sizes from £25,000 to £2,500,000 over a 5–40-year payment term
• Capital raise for almost any legal purpose including debt consolidation up to 90% LTV
• Interest-only loan term can end from age 70 to age 75
• Minimum property value of £75,000
• AVM for loan sizes up to £300,000 now available for select criteria
• Applicants no longer need to be out of employment probation minimum time in employment is 3 months
• Up to 100% of second job income included
• Self Employed - Net Profit & Salary. Borrowers who need the use net profit and salary for limited company directors with a minimum of 50% shareholding, by referral.
• Maternity return to work accepted. Use of income for affordability for applicants on maternity leave whose employers can confirm a return-to-work date within 6 months.

For more information on West One’s Residential product range, please view the product guide.
 

Introduce Business to West One

If you would like to discuss a case, register as an introducer or learn more about what West One has to offer, simply complete our short enquiry form and a member of our broker support team will get in touch.
 

Buy-to-Let

To introduce business to West One, or learn more about what West One has to offer click here.

To discuss a case, please get in touch with our BTL support desk:
E: [email protected]  
T: 0333 1234556
 

Residential

Our broker support team can help you with new business enquiries, product or criteria questions, assistance using our broker portal or putting you in contact with our experienced field-based sales team.
To introduce business to West One click here.

To discuss a case, please get in touch with our Residential support desk:
E: [email protected]  
T: 0333 1234556 option 3