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.
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:
- Via one of our master broker partners
- Via one of our approved mortgage clubs
- Via one of our approved mortgage networks
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.
Become an Introducer
Introduce business to West One
If you would like to discuss a case, register as an introducer or learn more about what West One has to offer, simply complete the short enquiry form below and a member of our broker support team will get in touch.
Register now
Latest Buy-to-Let Blogs
-
Buy-to-let mortgages Buy-to-let’s future is professionalisation
Andrew Ferguson is Managing Director of Buy-to-let at specialist lender West One Loans
It nearly passed me by entirely, but it occurred the other day that I...
Read more -
Buy-to-let mortgages Residential mortgages What may impact BTL and Resi markets in 2025?
Read more -
Buy-to-let mortgages Labour must consult with landlords if it is to resurrect minimum EPC rules
Andrew Ferguson - Managing Director of Buy-to-Let Mortgages
Read more
Enhance your property knowledge
Improve your awareness of property finance options with the latest in specialist lending delivered straight to your inbox. Subscribe to our West One updates and insights below.
