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BTL IconStandard Buy-to-Let

Looking to start or grow a rental property portfolio?

The Standard Buy-to-Let range is available to UK based individuals wishing to finance their property transaction in personal names or through a Limited Company SPV including Consumer Buy To Let mortgages. 

This range is designed for the mortgaging and remortgaging of houses, leasehold flats and maisonettes, including new build properties. West One has products for unprofessional and professional landlords, for those purchasing their first rental property to large scale, portfolio landlords. purchasing their first rental property to large scale, portfolio landlords.

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W1
Highlights

Highlights

  • Satisfied/Unsatisfied CCJ’s & Defaults (combined): Maximum 1 instance of £500 or below allowed in the last 72 months
  • Secured arrears: 0 in 36 months and up to date
  • Unsecured arrears: Max of 1 missed payment in 12 months, and up to date
  • Payday loans: 0 in 72 months
  • Debt management plans: 0 in 72 months
  • Bankruptcies / IVAs: Not allowed
  • Missed payments on public utilities and communication suppliers ignored, subject to satisfactory explanation.
W2
Highlights

Highlights

  • Satisfied CCJs & defaults: Allowed
  • Unsatisfied CCJs & defaults (each): 1 in 24 months. Balances below <£500 ignored.
  • Secured arrears: 0 in 6 months, 1 in 12 months. Secured arrears on properties other than the mortgageable security must be up to date
  • Unsecured arrears: Highest of 3 in 12 months
  • Payday loans: 0 in 12 months
  • Debt management plans: Discharged over 12 months ago
  • Bankruptcies / IVAs: Registered over 36 months ago and discharged
  • Missed payments on public utilities and communication suppliers ignored, subject to satisfactory explanation.
W3
Highlights

Highlights

  • Satisfied CCJs & defaults: Allowed
  • Unsatisfied CCJs & defaults (each): 1 in 12 months. Balances below <£500 ignored.
  • Secured arrears: 0 in 3 months, 2 in 12 months
  • Unsecured arrears: Allowed
  • Payday loans: Accepted
  • Debt management plans: Discharged
  • Bankruptcies / IVAs: Discharged
  • Missed payments on public utilities and communication suppliers ignored, subject to satisfactory explanation.
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Talk to our expert bridging loans team today to discover how our diverse product range can solve your finance needs.