Refurb & Conversion

Bridging Loans

Our residential bridging loans range is designed for purchases, refurbishments, or refinances of residential properties.
Whether the finance is required for buying at auction, funding structural works and ground-up developments or simply just refinancing for cash-flow purposes, West One's unique approach to risk and credit allows flexibility for borrowers.
From the straightforward to the complex, we treat each case individually and tailor a solution to suit the client.

Let us help you get started

To talk to us about what we can do for you and your client or simply learn more about what West One has to offer, get in touch today.

Our Product Range

Purpose - Funds for modernisation or repairs to a residential property.

Max LTV (Day One)

70%

Interest rate:

from 0.65%

Charge type:

1st / 2nd

Min loan size:

£150,000

Location:

England, Scotland, Wales

Max Term:

12 months

Interest type:

Retained

 

  • For works that don’t require planning permission or approval.

  • Typically no monitoring surveyor but inspections are generally required prior to further drawdowns.

  • Minimum age is 18. No maximum age limit.

  • Scotland - mainland only.

  • Minimum term is 1 month.

  • No structural works permitted.

Contact one of our experts now for more information on our range of bridging loans. 

Talk to Us

Purpose - Purchase or refinance an investment property to repair and either sell or let.

Max LTV (Day One)

70%

Max LTGDV

65%

Interest rate:

from 0.70%

Charge type:

1st

Min loan size:

£150,000

Location:

England, Scotland, Wales

Max Term:

18 months

Interest type:

Retained


  • Typically no monitoring surveyor but inspections are generally required prior to further drawdowns.

  • No experience required.

  • Up to 100% of build costs can be funded, in arrears.

  • All appropriate licenses/permissions required.

  • Works to not exceed 15% of GDV.

  • Scotland - mainland only.

  • Minimum term is 1 month.

  • Minimum age is 18. No maximum age limit.

  • Extensions permitted where current internal square footage does not increase by more than 50%.

  • Ideal for extensions or loft conversions under Permitted Development.

     

Contact one of our experts now for more information on our range of bridging loans. 

Talk to Us

Purpose - Funding for structural works and smaller ground-up developments.

Max LTV (Day One)

70%

Max LTGDV

65%

Interest rate:

from 0.80%

Charge type:

1st

Min loan size:

£150,000

Location:

England, Wales

Max Term:

18 months

Interest type:

Retained

  • Monitoring Surveyor to be used and approval required prior to any drawdowns.
  • Investment properties only.
  • Up to 100% of build costs can be funded, in arrears.

  • Experience of similar previous projects preferable.

  • Minimum profit margin of 15%.

  • Minimum age is 18. No maximum age limit.

  • Minimum term is 1 month.

Contact one of our experts now for more information on our range of bridging loans. 

Talk to Us

Become an Introducer

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 the short enquiry form below and a member of our broker support team will get in touch. 

Register now
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Meet our Bridging Finance Team

Sales, business development & operations.

Thomas Cantor

Head of Bridging Finance

thomas.cantor@westoneloans.co.uk +44 (0)20 928 1822

Michael Grant

Head of Sales, Bridging (Central & North London, Herts, Beds & Bucks)

michael@westoneloans.co.uk +44 (0)7415 117 683

Matthew Watson

Head of Sales, Buy-to-Let & Bridging - South (South West London & South Coast)

matthew.watson@westoneloans.co.uk +44 (0)7584 165 082

Jez Quinn

Head of Sales, Buy-to-Let & Bridging - North (Midlands)

jez.quinn@westoneloans.co.uk +44 (0)7825 240 598

Ashley Bailey

Regional Account Manager (North & Scotland)

ashley.bailey@westoneloans.co.uk +44 (0)7586 716046

Gary Melville

Telephone Business Development Manager (Central & North London, Herts, Beds & Bucks)

gary.melville@westoneloans.co.uk +44 (0)208 736 2250

Rebecca Bradley

Telephone Business Development Executive (Central & North London, Herts, Beds & Bucks)

rebecca.bradley@westoneloans.co.uk +44 (0)208 736 2324

Paul Shiakallis

Telephone Business Development Manager (South West London & South Coast)

paul.shiakallis@westoneloans.co.uk +44 (0)208 736 2246

Kayleigh Tuvey

Telephone Business Development Manager (South West London & South Coast)

kayleigh.tuvey@westoneloans.co.uk +44 (0)208 736 2212

Nicky Agra

Telephone Business Development Manager (South East London, Essex & Kent)

nicky.agra@westoneloans.co.uk +44 (0)208 736 2230

Ali Hussain

Telephone Business Development Manager (Midlands)

ali.hussain@westoneloans.co.uk +44 (0)208 736 2200

Jake Bannister

Telephone Business Development Manager (North & Scotland)

jake.bannister@westoneloans.co.uk +44 (0)208 736 2228