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 0.85% - 1st charge

from 0.95% - 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 0.85% - 1st charge

from 0.95% - 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 - 75%

2nd charge - 65%

Fixed Interest Rate:

from 0.85% - 1st charge

from 0.95% - 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 - 75%

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.

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
broker-discussion

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

Regional Account Director (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 (City & South West London, Berks, Surrey, Hampshire)

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

Kash Moghul

Regional Account Manager (South East London, Essex & Kent)

kash.moghul@westoneloans.co.uk +44 (0)7984 171 974

Paddy Doyle

Regional Account Manager (South West & Wales)

paddy.doyle@westoneloans.co.uk +44 (0)782 532 2425

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

Peter Maina

Telephone Business Development Manager (South West & Wales)

peter.maina@westoneloans.co.uk +44 (0)208 731 5345