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Buy to Let mortgages

Buy-to-Let mortgages

We lend on a wide variety of property types to a broad range of borrowers – from both individual and portfolio landlords to limited company borrowers. Our team of specialist underwriters take the time to consider each case on its merits, and have the expertise needed for smooth and secure property purchases and remortgages.

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Key product features

  • £50k to £1million loan sizes
  • Terms from 5 to 30 years
  • Specialist underwriting on all applications
  • Faster completions and reduced legal fees for standard property remortgages up to £750k
  • Flexible approach for portfolio landlords
  • No credit-scoring – underwriting based on credit assessment
  • No additional interest loadings for limited companies

Where and when we will lend

  • Houses, leasehold flats, and maisonettes
  • Houses in multiple occupation (HMOs) and multi-unit freehold blocks (MUFBs)
  • New builds, high rise flats above 5 storeys, deck access & ex-local authority flats
  • Properties owned for less than 6 months
  • Holiday and short-term lets, including Airbnb
  • UK individual, SPV limited companies and LLPs
  • First-time landlords and expats considered

Why West One?

West One Buy-to-Let mortgage products are aimed at borrowers with complex funding needs who are often left under-served by High Street lenders.

Our product range has the flexibility to suit the needs of first-time landlords - including HMO - and existing landlords wanting to expand their portfolio.

And because we’re expert specialist lenders, we’re able to offer a competitive 135% DSCR up to 65% LTV regardless of tax banding, and a rental stress calculation based on a rate of 5% of day one pay rate on our 5-year fixed products. Below are our product guides:

W1 

Standard product range W1  

 

 

Specialist product range W1 

 

W2 

Standard product range W2

 

 

Specialist product range W2

 

Mortgage Payment Declaration

Mortgage payment holiday declaration 


To find out more contact our broker support team.

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Want to know more?

If you’d like to learn more about our buy-to-let range and how our friendly team might work best for you, give us a call on 0333 123 4556 or drop us a message.
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West One Loan Ltd is authorised and regulated by the Financial Conduct Authority.

Firm Reference Number: 510024
West One Secured Loans Ltd is authorised and regulated by the Financial Conduct Authority.
Firm Reference Number: 776026.
Certain types of loans are not regulated, for example loans for business purposes or certain buy-to-lets.
West One Secured Loans Limited is a member of the Finance and Leasing Association (FLA).
The FLA Lending Code can be found at www.fla.org.uk.
West One Loan Ltd is registered with the Information Commissioners Office.
Registration Number: Z2651210.
West One Secured Loan Ltd is registered with the Information Commissioners Office.
Registration Number: ZA208381.
West One Development Finance Ltd is registered with the Information Commissioners Office.
Registration Number: ZA362893.
West One Loan Ltd is registered in England and Wales.
Company Number: 05385677.
West One Secured Loans Ltd is registered in England and Wales.
Company Number: 09425230.
West One Development Finance Ltd is registered in England and Wales.
Company Number: 11242570.
Registered Office Address for these companies: 3rd Floor, Premiere House, Elstree Way, Borehamwood, Hertfordshire. WD6 1JH
THIS IS FOR PROFESSIONAL INTERMEDIARY USE ONLY AND MUST NOT BE SHOWN OR DISTRIBUTED TO POTENTIAL CUSTOMERS