Specialist Buy-to-Let

Complex cases easily managed.

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 cases 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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For more information on our buy-to-let offering contact our support desk using the form below.

Our Product Range

Designed for applicants with clean credit profiles

Specialist underwriting on all applications
Faster completion's and reduced legal fees on qualifying re-mortgages up to £750k
First-time landlords (Including HMO and Short Term Let) – must own their main residence
Flexible approach for portfolio landlords
No credit scoring – underwriting based on credit assessment
No minimum income
Loan amounts from £50k to £2,000,000
Loan terms from 5 to 25 years

Maximum loan size of £3 million available at 65% LTV on W1 range
Minimum loan size £50k
Minimum property value £90,000
Maximum borrower exposure with West One BTL is £7.5 million (0ver £3 million by referral)
HMO properties up to 10 bedrooms permitted on this plan
MUFB properties up to 10 units permitted on this plan
Holiday /Short term let and ex-pats permitted on this plan
Applications accepted from UK individuals, SPV Limited Companies and LLP
First time landlords accepted subject to owning their main residence
Fast track remortgage available to individuals and simple SPV’s
We can consider properties owned for less than 6 months, high rise flats over 5 storey’s, ex-local authority flats (including deck access) and flats above commercial premises by referral

Rate Cards

Download Buy-to-Let Product Guide Nov 2024

            Highlights
No defaults or CCJ’s registered in the last 72 months – including where satisfied
No mortgage or other secured arrears in last 36 months
Minimal unsecured areas in the last 24 months
No bankruptcy or IVA permitted, either current or previous
No payday loans, current or previous
No DMP, current or previous

          

Designed for applicants with minor credit blips

Specialist underwriting on all applications
Faster completion's and reduced legal fees on qualifying re-mortgages up to £750k
First-time landlords (Including HMO and Short Term Let) – must own their main residence
Flexible approach for portfolio landlords
No credit scoring – underwriting based on credit assessment
No minimum income
Loan amounts from £50k to £1,500,000
Loan terms from 5 to 25 years

Maximum loan size of £3 million available at 65% LTV on W2 range
Minimum loan size £50k
Minimum property value £90,000
Maximum borrower exposure with West One BTL is £3 million
HMO properties up to 6 bedrooms permitted on this plan
MUFB properties up to 6 units permitted on this plan
Applications accepted from UK individuals, SPV Limited Companies and LLP
First time landlords accepted subject to owning their main residence
Fast track remortgage available to individuals and simple SPV’s
We can consider properties owned for less than 6 months, high rise flats over 5 storey’s, ex-local authority flats (including deck access) and flats above commercial premises by referral

            Highlights
No unsatisfied defaults or CCJ’s greater than £350 in the last 36 months
No mortgage or secured arrears in the last 24 months
Unsecured arrears – a maximum status of 1 on any account in last 12 months
No bankruptcy or IVA permitted, either current or previous
No payday loans, current or previous
No DMP, current or previous

          

Designed for applicants with previous credit issues

Maximum loan size £500,000
Cases considered by referral to broker support
Specialist underwriting on all applications
Faster completion's and reduced legal fees on qualifying re-mortgages up to £750k
First time landlords – must own their main residence
Flexible approach for portfolio landlords
No credit scoring – underwriting based on credit assessment
No minimum income
Loan terms from 5 to 25 years

Maximum loan size of £500,000 available at 65% LTV on W3 range
Minimum loan size £50k
Minimum property value £90,000
Maximum of 3 loans per borrower up to £1.5 million maximum
Holiday/Short term let's not available on this plan
Expat, Foreign National and Large HMO/MUB not available on this plan
Applications accepted from UK individuals, SPV Limited Companies and LLP
First time landlords accepted subject to owning their main residence
Fast track remortgage available to individuals and simple SPV's
We can consider properties owned for less than 6 months, high rise flats over 5 storeys and ex-local authority flats (including desk access) by referral

            Highlights
1 in 12 months, 0 in 3 months (applicable to CCJ/DF/mortgage arrear - only 1 instance permitted in total) 
Defaults = 1 in the last 12 months (max £5k)
CCJs = 1 in the last 12 months (max £5k) 
Missed mortgage / secured payments = 1 in the last 12 months
Impaired credit outside of 12 months = not assessed, subject to satisfactory explanation 
Unsecured arrears = not assessed to plan assessment, subject to satisfactory explanation
Missed payments on public utilities and communication suppliers ignored, subject to satisfactory explanation
Bankruptcy/ IVA = None in the last 72 months

          