This information is for professional intermediary use only and must not be distributed to potential customers.

BTL IconBuy-to-Let Mortgages

Creating Opportunity for Landlords

West One specialises in supporting landlords looking to start their property investment journey or those who are looking to grow their current portfolio. We lend on both standard and specialist property types to a broad range of borrowers, whether borrowing in individual names or through a limited company.

Applying an individual approach to underwriting, we review each case on its merits, ensuring we support clients looking to acquire or remortgage investment properties including complex transactions or property types. West One offers a comprehensive range of products via our Standard and Specialist options available through mortgage intermediaries.

 

 

Submit an Enquiry
landloard-hub
Residential Bridging-4

Standard Buy-to-Let

This range is available to finance property transaction in personal names or through a Limited Company SPV. Designed to finance houses, leasehold flats and maisonettes, including new build properties, the range is available to those purchasing their first rental property to large scale portfolio landlords.

Residential Bridging-Jun-05-2025-08-15-11-9455-AM

Specialist Buy-to-Let

Designed to finance more complex transactions, our Specialist range supports the finance needs of complex transactions. A Wider property and borrower profile allows for HMO/MUFB’s, Holiday Lets, including from Ex-Pat Applicants. Available to landlords wishing to finance in personal names or through a Limited Company SPV,  whether the first rental property or part or large scale portfolio.

Submit a Case via One of Three Ways:

  • A master broker partner
  • An approved mortgage club
  • An approved mortgage network
Submit A Case
Buy-to-let mortgages calculator

Buy-to-Let Mortgages Calculator

Use our easy Buy-to-Let Calculator to receive a fast indication of the maximum loan size we may be able to offer your client.

Use Buy-to-Let Calculator
btl-enquiry-form-full

Why West One?

  • Instant decision in principle and illustration at point of sale
  • Some of the most flexible credit criteria in the Buy-to-Let market
  • Dedicated broker portal for streamlining applications
  • Instant notifications and case updates with full case tracking
  • Applications are not credit scored, with each case assessed on its own merits
  • Experts in complex Buy-to-Let, with potential for mortgage/remortgage funding that falls outside standard criteria
buy-to-let key product features

Key Product Features

  • Max LTV up to 80%
  • Lending to individuals (incl. first time buyers), Ltd companies, and LLPs
  • Standard to large complex portfolios (Portfolio lending up to £10m per borrower)
  • Day One Ltd Companies with no rate loading
  • MUFB, HMO applications accepted
  • CBTL products available throughout the range
Second Charge Customer Page

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.

Frequently Asked Questions

Terms
What is the minimum and maximum Buy-to-Let loan sizes and terms?
The minimum net Buy-to-Let mortgage size is £50,000. The maximum gross loan size is £3m, although higher loans can be considered on referral. Please refer to product guide for maximum loan sizes on our specialist and complex ranges. Mortgage terms range from 5 to 25 years.
Criteria
Are applicants with adverse credit considered?
Yes, all applications are manually underwritten with no credit scoring. Evidence of mortgage conduct is required, especially for portfolio landlords. Criteria for arrears, defaults, and CCJs are plan-specific and detailed in the product guide.
What tenancy agreements are acceptable for Buy-to-Let properties?
Properties must be let on a standard AST. Corporate lets up to 60 months are considered. All tenancy agreements must be on a monthly rent basis. Properties let to family members are not acceptable.
Can first-time buyers apply for a Buy-to-Let mortgage?

Yes, but only if they are UK nationals, employed, aged at least 25, with a minimum income of £25,000 p.a. and proof of income. Maximum LTV is 75%, and additional documentation is required, including proof of funds and rental history.

What are the requirements for Limited Companies and LLPs?
Limited Companies and LLPs must be simple SPVs registered in England and Wales for property investment/management. Maximum of 4 directors/shareholders, and personal guarantees are required from those holding 20% or more shares. Complex structures may be considered by referral with a clear organisation chart.
Are ex-pat and non-UK nationals eligible for Buy-to-Let mortgages?
Ex-pats must have at least one existing BTL property in the UK and appoint a UK servicing agent. EEA nationals residing in the UK for at least 12 months are accepted with settled or pre-settled status. Non-EEA nationals with permanent rights to reside and at least 12 months’ UK residency may be considered, subject to enhanced due diligence.
Do you lend on HMO/MUB properties?
Yes, Houses in Multiple Occupation (HMO) and Multi Unit Blocks (MUB) are accepted. However for these types of properties, if they have more than 6 beds (HMO) or 6 units (MUB) referral will be required.