Residential

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

Have a case you need support with or simply need to know more about our products? Get in touch today.

Our Product Range

Range

Features

Criteria

Purchase

Max LTV:	1st charge - 70% 2nd charge - 65%
Fixed Interest Rate:	from 0.95% - 1st charge from 1.05% - 2nd charge
Charge Type:	1st / 2nd
Location:	England, Scotland, Wales
Min Loan Size:	£75,000
Max Term:	12 months
Interest Type:	Retained

Residential properties only.
Evidenced, robust exit strategy.
Client’s / immediate family’s primary place of residence.
Minimum age is 18. No maximum age limit.
Scotland - mainland only.
Minimum term 1 month.
Retained interest only.

Refinance

Max LTV:	1st charge - 70% 2nd charge - 65%
Fixed Interest Rate:	from 0.95% - 1st charge from 1.05% - 2nd charge
Charge Type:	1st / 2nd
Location:	England, Scotland, Wales
Min Loan Size:	£75,000
Max Term:	12 months
Interest Type:	Retained

Where funds are required for a lease extension, completion is to happen simultaneously.
Refinancing of existing bridging loans considered by referral.
Minimum age is 18. No maximum age limit.
Scotland - mainland only.
Minimum term 1 month.

Range

Features

Criteria

Purchase

Max LTV:	1st charge - 70% 2nd charge - 65%
Fixed Interest Rate:	from 0.95% - 1st charge from 1.05% - 2nd charge
Charge Type:	1st / 2nd
Location:	England, Scotland, Wales
Min Loan Size:	£75,000
Max Term:	24 months
Interest Type:	Retained / Serviced

Proof of funds / evidence of deposit required.
Investment properties only.
Minimum age is 18. No maximum age limit.
Serviced interest subject for affordability assessment.
Scotland - mainland only.
Minimum term is 1 month.

Refinance

Max LTV:	1st charge - 70% 2nd charge - 65%
Fixed Interest Rate:	from 1.00%
Charge Type:	1st/2nd
Location:	England, Scotland, Wales
Min Loan Size:	£75,000
Max Term:	18 months
Interest Type:	Retained or serviced

Where funds required for a lease extension, completion is to happen simultaneously.
Refinancing of existing bridging loans considered by referral.
Serviced interest subject to affordability assessment.
Minimum age is 18. No maximum age limit.
Scotland - mainland only.
Minimum term 1 month.

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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.