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West One Loans


West One offers a comprehensive range of Buy-to-Let and residential mortgages to help borrowers who are typically underserved by the high street. Such borrowers often have more complex circumstances, and at West One, borrowers will have their case considered on its own merits as the team provide a personal approach to underwriting and willingness to understand individual circumstances and cases.

Buy-to-Let Mortgages

At West One, they lend on a wide variety of property types to individuals, limited companies, and LLPs, from straightforward residential properties to HMO’s up to 10 beds, MUFB’s up to 10 units, flats above commercial, local authority property and holiday lets.


West One offers a comprehensive range of residential mortgage products to borrowers who are unable to obtain a high street mortgage. Such borrowers often have more complex circumstances and could be rejected by other lenders. But here at West One, you’ll find they are more likely to be accepted because of our personal approach to underwriting and willingness to understand their individual circumstances.

Key Features:

Key Buy-to-Let Feature:

  • West One BTL assesses each case on its own merit with the following USP’s:
  • Portfolio lending up to £7.5m per borrower – more than 20 applications or £3m lending by referral*
  • No minimum income requirements
  • Leasehold block exposure to 20 units with up to 100% exposure possible – over 4 by referral
  • Max LTV 75% up to £1.5 million for purchase and mortgage cases
  • Max age on application 80 years old
  • First Time Landlords – HMO, MUFB and Holiday Lets – No BTL or Holiday Let experience required
  • Long-term Corporate Lets & DSS/Student Tenants
  • Limited Company cases with no rate loading
  • Impaired credit considered
  • Applications are not credit scored – each case assessed on its merits
  • Flats above Commercial Premises
  • Multi-unit freehold buildings to 10 units (including partial blocks) – Over 6 units and up to 10 units by referral
  • Ex-Local Authority property considered
  • HMO up to 10 beds. Over 6 beds and up to 10 beds by referral
  • Ex-Pats, outside of EEA and foreign nationals by referral
  • Holiday Lets / Short term Lets
  • Flexible approach towards portfolio landlords
  • Let to Buy and Consumer BTLs
  • Day one refinance

Key Residential mortgage features:

  • Purchase, Remortgage and Unencumbered Products available
  • No credit scoring; each case is assessed on its merits
  • Minimum age 21 with the loan term ending by age 85
  • 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 85% including First Time Buyers
  • Terms from 5 – 40 years
  • Available to employed, self-employed, contractors and retired applicants
  • Flexible loan sizes from £25,000 to £1,000,000 over a 5-40 year payment term
  • Capital raise for almost any legal purpose including debt consolidation up to 85% LTV
  • Fast track remortgage service provided by our on-site solicitors available for loan sizes up to £750,000

Registration Process:

Online link via website, or the following link:

Broker Mortgage Club Due Diligence Registration

Once received adviser registration request West One will provide access to lender portal. TMA will be added to system as Club route, and at application the adviser selects chosen club route.

Contact details:



Call: 0333 1234556

Get in touch with us today.

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