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 Sheet2021Download 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

Download BTL Portfolio Information Sheet2021Download 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 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

Jason James

National Account Manager

Jason.james@westoneloans.co.uk +44 (0)7818 798 887

Kitt Makwana

Key Account Manager

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

Jack Gerasimov

Key Account Manager

jack.gerasimov@westoneloans.co.uk +44 (0)7825 241 653

Nabila Jelbaoui

Telephone Business Development Manager (Central London & North West)

Nabila.jelbaoui@westoneloans.co.uk +44 (0)20 8736 2218

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