Buy-to-Let Mortgages

Experts in complex cases

Our buy-to-let offering aims to serve the wide-ranging needs of both amateur, and professional, landlords.

We lend on a wide variety of property types to a broad range of borrowers, whether borrowing in individual names or through a limited company. Our expert team are committed to delivering cases with speed and flexibility. We apply an individual approach to underwriting to ensure we review each case on its merits, ensuring we support clients with the smooth and secure purchase or re-mortgage they require.

West One offers a comprehensive range of products through our Standard and Specialist Product ranges which are exclusively available through mortgage intermediaries.

Let us help you get started

For more information on our Buy-to-Let offering, including how to submit your case, please email our support desk using the form below. 

Our Product Range

Get your client's project safely over the line

Standard

This range is available to UK based individuals wishing to finance their property transaction in personal names or through a Limited Company SPV. It is designed to finance houses, leasehold flats and maisonettes, including new build properties. The range is available to both amateur and professional landlords, from those purchasing their first rental property to large scale, portfolio landlords.

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Specialist

This range is available for landlords wishing to finance their property transaction in personal names or through a Limited Company SPV. It is designed to finance more complex transactions, such as HMO/MUFB’s, Holiday Lets, including from Ex-Pat Applicants. The range is available to both amateur and professional landlords, from those purchasing their first rental property to large scale, portfolio landlords.

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Our Unique Capability

  • Instant decision in principle and illustration at point of sale
  • Submit applications online via portal
  • Submit all supporting documents for your application
  • Instant notifications and case updates
  • Direct messaging with the underwriter
  • Full case tracking function
Buy-to-let Key Product Features

Key Product Features

  • Flexible approach towards portfolio landlords
  • Portfolio lending up to £10m per borrower - more than 20 applications or £3m lending by referral*
  • Leasehold Block exposure to 20 units with up to 100% exposure possible - over 20 by referral**
  • No minimum income requirements
  • Day one Limited Company cases with no rate loading
  • Day one refinance
  • Max LTV 80% up to £750k for purchase and remortgage cases
  • Max age on application 80 – up to 25 year term
  • First Time Landlords – HMO, MUFB and Holiday Lets - No BTL or Holiday Let experience required
  • Applications are not credit scored – each case assessed on its merits
  • Impaired credit considered
  • Long Term Corporate Lets & DSS/Student Tenants
  • Flats above Commercial Premises
  • Multi-unit freehold buildings to 10 units (including partial blocks)
  • Ex-Local Authority property
  • Let to Buy and Consumer BTLs
  • Ex-Pats, outside of EEA by referral
  • Holiday Lets / Short term Lets
  • HMO up to 10 beds. Over 6 beds and up to 10 beds by referral
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How to submit a case to our Buy-to-Let team

You can place your cases in one of three ways:

  1. Via one of our master broker partners
  2. Via one of our approved mortgage clubs
  3. Via one of our approved mortgage networks

Submit a case

 

Please contact us if you are unsure of the most appropriate submission route for your cases. 

Please email our support desk on btlbrokersupport@westoneloans.co.uk or call 0333 1234556

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.

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Meet the Buy-to-Let Team

Andrew Ferguson

Managing Director, Buy-to-Let

andrew.ferguson@westoneloans.co.uk +44 (0)7368 644 140

Annette Tilbury

National Account Manager

annette.tilbury@westoneloans.co.uk +44 (0)7392 091 019

Jez Quinn

National Account Manager (Midlands)

jez.quinn@westoneloans.co.uk +44 (0)7825 240598

Joe Solomon

Telephone Business Development Manager (North London, Midlands East and North East)

joe.solomon@westoneloans.co.uk +44 (0)20 8736 2223

Shahed Popat

Telephone Business Development Manager (South West, Midlands West and South London)

shahed.popat@westoneloans.co.uk +44 (0)20 8736 2272

Ali Hussain

Telephone Business Development Manager (Midlands/ Wales)

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

Buy-to-Let Broker Support

Buy-to-Let Broker Support (Central London & North West)

btlbrokersupport@westoneloans.co.uk +44 (0)333 1234 556

Buy to Let Videos

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A Guide to Buy-to-Let Mortgages at West One HQ Thumbnail

A Guide to Buy-to-Let Mortgages at West One

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Meet the team: Paul Huxter

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Meet the team: Andrew Ferguson

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Latest Buy-to-Let Blogs

 

  • Role of Specialist Finance in the 2022 remortgage boom Buy-to-let mortgages

    Role of Specialist Finance in the 2022 remortgage boom

    By Andrew Ferguson, Buy-to-Let Managing Director, West One Loans

    Read more
  • 2022 set to be strong year for BTL Buy-to-let mortgages

    2022 set to be strong year for BTL

    By Andrew Ferguson, Managing Director Buy-to-Let, West One Loans

    It is hard to make predictions for the coming year without considering the impact of the...

    Read more
  • Holiday lets and HMOs offer opportunities in the BTL market Buy-to-let mortgages

    Holiday lets and HMOs offer opportunities in the BTL market

    Andrew Ferguson, Managing Director, Buy-to-Let 

    The buy-to-let sector celebrated its 25th anniversary in 2021 and despite changes to mortgage interest relief...

    Read more

Other Products

Bridging Finance

Short-term, interest-only loans available for those that need immediate access to capital.

Learn More

Development Finance

Designed for property developers requiring fast, efficient finance for residential-led developments. 

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Second Charge Mortgages

A comprehensive range of second charge mortgage products available for both residential and buy-to-let properties.

Learn More