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.

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

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
No additional rate loading for limited company applications
Loan amounts from £50k to £1,500,000
Loan terms from 5 to 25 years

Maximum loan size of £1.5m available at 65% LTV, £1m at 75%
Minimum loan size £50k
Minimum property value £100k
Maximum borrower exposure with West One BTL is £1.5m
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
Applicants must provide confirmation they are not on a payment holiday for any mortgage or secured loan
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 GuideSep 2021

Useful Downloads

Download BTL Portfolio Information Sheet2021 Download Buy-to-Let Case Hub User Guide2020 Download Buy-to-Let Broker Criteria GuideFeb 2021 Download Buy-to-Let Legal and Valuation Fee Guide2021 Download Buy-to-Let Mortgage History Declaration2021 Download Buy-to-Let Payment holiday declaration2021 Download Buy-to-Let Case Submission Checklist2021

            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
No unsecured arrears in the last 36 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
No additional rate loading for limited company applications
Loan amounts from £50k to £1,500,000
Loan terms from 5 to 25 years

Maximum loan size of £1.5m available at 65% LTV, £1m at 75%
Minimum loan size £50k
Minimum property value £100k
Maximum borrower exposure with West One BTL is £1.5m
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
Applicants must provide confirmation they are not on a payment holiday for any mortgage or secured loan
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 GuideSep 2021

Useful Downloads

            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

          