Buy-to-Let Mortgages

Our Unique Capability

• Instant decision in principle and illustration at point of sale
• Submit applications online via portal
• Submit all supporting documents for your application
• Instant notifications and case updates
• Direct messaging with the underwriter
• Full case tracking function

Key Product Features

• Flexible approach towards portfolio landlords
• Portfolio lending up to £10.5m per borrower - more than 20 applications or £3m lending by referral*
• Leasehold block exposure to 20 units with up to 100% exposure possible - over 4 by referral
• No minimum income requirements
• Day one Limited Company cases with no rate loading
• Day one refinance
• Max LTV 80% up to £1.5 million, 65% to £3 million for purchase and remortgage cases
• Max age on application 80 years old
• First Time Landlords – HMO, MUFB and Holiday Lets - No BTL or Holiday Let experience required
• First Time Buyer considered
• Applications are not credit scored – each case assessed on its merits
• Impaired credit considered
• Long Term Corporate Lets & DSS/Student Tenants
• Flats above Commercial Premises
• Multi-unit freehold buildings to 10 units (including partial blocks) - Over 6 units and up to 10 units by referral
• Ex-Local Authority property
• Let to Buy and Consumer BTLs
• Ex-Pats, outside of EEA and foreign nationals by referral 
• Holiday Lets / Short term Lets
• HMO up to 10 beds. Over 6 beds and up to 10 beds by referral
• Investor Led block, btl key criteria

How to submit a case to our Buy-to-Let team

You can place your cases in one of three ways:

1. Via one of our master broker partners
2. Via one of our approved mortgage clubs
3. Via one of our approved mortgage networks
   
   

Submit a case

Please contact us if you are unsure of the most appropriate submission route for your cases. You can email our support desk  btlbrokersupport@westoneloans.co.uk or call 0333 1234556.