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 £1,500,00
  • 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 6 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 Specialist W12021Download BTL Portfolio Information Sheet2021 Download Buy-to-Let Case Hub User Guide2020 Download Buy-to-Let Broker Criteria Guide2020Download Buy-to-Let Ex-Pat's Semi ExclusiveJan 2021Download Buy-to-Let Holiday Lets Semi ExclusiveJan 2021

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 £1,500,00
  • 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 6 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 Specialist Buy-to-Let W22021Download BTL Portfolio Information Sheet2021Download Buy-to-Let Case Hub User Guide2020 Download Buy-to-Let Broker Criteria Guide2020

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

Meet the Buy-to-Let Mortgages 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

Paul Simpson

Lending Operations Director

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

Amir Khan

Key Account Manager

amir.khan@westoneloans.co.uk +44 (0)7827 361 099

Kitt Makwana

Key Account Manager

Kitt.Makwana@westoneloans.co.uk +44 (0)7572 656 992