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.

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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.

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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.

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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.

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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.