Standard Buy-to-Let

Trusted by landlords.

This range is available to UK based individuals wishing to finance their property transaction in personal names or through a Limited Company SPV. It is designed to finance houses, leasehold flats and maisonettes, including new build properties. 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 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 – 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 £2,000,000*
  • Loan terms from 5 to 25 years
  • Maximum loan size of £1.5 million available at 75% on W1 range
  • Minimum loan size £50k
  • Minimum property value £90,000
  • Portfolio lending up to £7.5 million – on referral if over £3m on W1 credit profile
  • Holiday/Short term let’s 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 deck access) by referral
Rate Cards

Download Buy-to-Let Product Guide

Useful Downloads

Download BTL Portfolio Information SheetDownload Buy-to-Let Case Hub User Guide Download Buy-to-Let Broker Criteria GuideDownload Buy-to-Let Legal and Valuation Fee GuideDownload Buy-to-Let Case Submission Checklist

Highlights

  • No defaults registered in the last
    72 months regardless of whether
    they have been satisfied
  • No CCJs registered in the last
    72 months regardless of whether
    they have been satisfied
  • No missed mortgage payments or secured loans payments in the last 36 months 
  • Minimal unsecured arrears 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 – 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 £2 million available at 65% on W2 range
  • Minimum loan size £50k
  • Minimum property value £90,000
  • Portfolio lending up to £3 million
  • Holiday/Short term let’s 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 deck access) by referral
Rate Cards

Download Buy-to-Let Product Guide Mar 2024

Useful Downloads

Download BTL Portfolio Information SheetDownload Buy-to-Let Case Hub User Guide Download Buy-to-Let Broker Criteria GuideJanDownload Buy-to-Let Legal and Valuation Fee GuideDownload Buy-to-Let Case Submission Checklist

Highlights

  • No unsatisfied defaults or CCJ’s 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
  • No additional rate loading for limited company applications
  • 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
Rate Cards

Download Buy-to-Let Product Guide Apr 2024

Useful Downloads

Download BTL Portfolio Information SheetDownload Buy-to-Let Case Hub User Guide Download Buy-to-Let Broker Criteria GuideJanDownload Buy-to-Let Legal and Valuation Fee GuideDownload Buy-to-Let Case Submission Checklist

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

Meet the Buy-to-Let Mortgages Team

Andrew Ferguson

Managing Director, Buy-to-Let

andrew.ferguson@westoneloans.co.uk +44 (0)7368 644 140

Paul Huxter

Head of Intermediary Sales and Distribution

paul.huxter@westoneloans.co.uk +44 (0)7572 167 174

Michael Grant

Regional Account Director (Central & North London, Herts, Beds & Bucks)

michael@westoneloans.co.uk +44 (0)7415 117 683

Matthew Watson

Head of Sales, Buy-to-Let & Bridging - South (City & South West London, Berks, Surrey, Hampshire)

matthew.watson@westoneloans.co.uk +44 (0)7584 165 082

Jez Quinn

Head of Sales, Buy-to-Let & Bridging - North (Midlands)

jez.quinn@westoneloans.co.uk +44 (0)7825 240 598

Kash Moghul

Regional Account Manager (South East London, Essex & Kent)

kash.moghul@westoneloans.co.uk +44 (0)7984 171 974

Paddy Doyle

Regional Account Manager (South West & Wales)

paddy.doyle@westoneloans.co.uk +44 (0)782 532 2425

Ashley Bailey

Regional Account Manager (North & Scotland)

ashley.bailey@westoneloans.co.uk +44 (0)7586 716046

Gary Melville

Telephone Business Development Manager (Central & North London, Herts, Beds & Bucks)

gary.melville@westoneloans.co.uk +44 (0)208 736 2250

Rebecca Bradley

Telephone Business Development Executive (Central & North London, Herts, Beds & Bucks)

rebecca.bradley@westoneloans.co.uk +44 (0)208 736 2324

Paul Shiakallis

Telephone Business Development Manager (South West London & South Coast)

paul.shiakallis@westoneloans.co.uk +44 (0)208 736 2246

Kayleigh Tuvey

Telephone Business Development Manager (South West London & South Coast)

kayleigh.tuvey@westoneloans.co.uk +44 (0)208 736 2212

Nicky Agra

Telephone Business Development Manager (South East London, Essex & Kent)

nicky.agra@westoneloans.co.uk +44 (0)208 736 2230

Ali Hussain

Telephone Business Development Manager (Midlands)

ali.hussain@westoneloans.co.uk +44 (0)208 736 2200

Jake Bannister

Telephone Business Development Manager (North & Scotland)

jake.bannister@westoneloans.co.uk +44 (0)208 736 2228

Peter Maina

Telephone Business Development Manager (South West & Wales)

peter.maina@westoneloans.co.uk +44 (0)208 731 5345

Buy-to-Let Broker Support

Buy-to-Let Broker Support

btlbrokersupport@westoneloans.co.uk +44 (0)333 123 4556