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, 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 – 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 £1.5 million available at 75% on W1 range and 65% on W2 range
  • Minimum loan size £50k
  • Minimum property value £100k
  • Portfolio lending up to £5m – on referral if over £3m on W1 credit profile
  • Only single residential property types available
  • 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
  • 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 storeys and ex-local authority flats (including deck access) by referral
Rate Cards

Download Buy-to-Let Product GuideJun 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 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 
  • 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 – 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 £1.5 million available at 75% on W1 range and 65% on W2 range
  • Minimum loan size £50k
  • Minimum property value £100k
  • Portfolio lending up to £5m – on referral if over £3m on W1 credit profile
  • Only single residential property types available
  • 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
  • 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 storeys and ex-local authority flats (including deck access) by referral
Rate Cards

Download Buy-to-Let Product GuideJun 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