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 £1.5m 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
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 Standard W12021 Download BTL Portfolio Information Sheet2021 Download Buy-to-Let Standard W1 Limited Edition.Jan 2021 Download Buy-to-Let Case Hub User Guide2020 Download Buy-to-Let Broker Criteria Guide2020

              
              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 £1.5m 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
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 Standard W22021 Download BTL Portfolio Information Sheet2021 Download 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


            