Buy-to-Let Mortgages

Experts in complex cases

Our buy-to-let offering aims to serve the wide-ranging needs of both amateur, and professional, landlords.

We lend on a wide variety of property types to a broad range of borrowers, whether borrowing in individual names or through a limited company. Our expert team are committed to delivering cases with speed and flexibility. We apply an individual approach to underwriting to ensure we review each case on its merits, ensuring we support clients with the smooth and secure purchase or re-mortgage they require.

West One offers a comprehensive range of products through our Standard and Specialist Product ranges which are exclusively available through mortgage intermediaries.

Buy-to-Let Calculator   Product Guide   Useful Downloads

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

Get your client's project safely over the line

Standard

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.

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Specialist

This range is available for landlords wishing to finance their property transaction in personal names or through a Limited Company SPV. It is designed to finance more complex transactions, such as HMO/MUFB’s, Holiday Lets, including from Ex-Pat Applicants. The range is available to both amateur and professional landlords, from those purchasing their first rental property to large scale, portfolio landlords.

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btl-capability

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
Buy-to-let Key Product Features

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 75% up to £1.5 million, 65% to £2 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
btl-case

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.

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
btl-broker-discussion-1

Product Guide

At West One Buy-to-Let our aim is to provide lending solutions for first-time landlords through to professional landlords.

Buy-to-Let Product Guide

Meet the Buy-to-Let Team

Andrew Ferguson

Managing Director, Buy-to-Let

andrew.ferguson@westoneloans.co.uk +44 (0)7368 644 140

Paul Huxter

Head of Intermediary Sales and Distribution

paul.huxter@westoneloans.co.uk +44 (0)7572 167 174

Michael Grant

Regional Account Director (Central & North London, Herts, Beds & Bucks)

michael@westoneloans.co.uk +44 (0)7415 117 683

Matthew Watson

Head of Sales, Buy-to-Let & Bridging - South (City & South West London, Berks, Surrey, Hampshire)

matthew.watson@westoneloans.co.uk +44 (0)7584 165 082

Jez Quinn

Head of Sales, Buy-to-Let & Bridging - North (Midlands)

jez.quinn@westoneloans.co.uk +44 (0)7825 240 598

Kash Moghul

Regional Account Manager (South East London, Essex & Kent)

kash.moghul@westoneloans.co.uk +44 (0)7984 171 974

Paddy Doyle

Regional Account Manager (South West & Wales)

paddy.doyle@westoneloans.co.uk +44 (0)782 532 2425

Ashley Bailey

Regional Account Manager (North & Scotland)

ashley.bailey@westoneloans.co.uk +44 (0)7586 716046

Gary Melville

Telephone Business Development Manager (Central & North London, Herts, Beds & Bucks)

gary.melville@westoneloans.co.uk +44 (0)208 736 2250

Rebecca Bradley

Telephone Business Development Executive (Central & North London, Herts, Beds & Bucks)

rebecca.bradley@westoneloans.co.uk +44 (0)208 736 2324

Paul Shiakallis

Telephone Business Development Manager (South West London & South Coast)

paul.shiakallis@westoneloans.co.uk +44 (0)208 736 2246

Kayleigh Tuvey

Telephone Business Development Manager (South West London & South Coast)

kayleigh.tuvey@westoneloans.co.uk +44 (0)208 736 2212

Nicky Agra

Telephone Business Development Manager (South East London, Essex & Kent)

nicky.agra@westoneloans.co.uk +44 (0)208 736 2230

Ali Hussain

Telephone Business Development Manager (Midlands)

ali.hussain@westoneloans.co.uk +44 (0)208 736 2200

Jake Bannister

Telephone Business Development Manager (North & Scotland)

jake.bannister@westoneloans.co.uk +44 (0)208 736 2228

Peter Maina

Telephone Business Development Manager (South West & Wales)

peter.maina@westoneloans.co.uk +44 (0)208 731 5345

Buy-to-Let Broker Support

Buy-to-Let Broker Support

btlbrokersupport@westoneloans.co.uk +44 (0)333 123 4556

Buy to Let Videos

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A Guide to Buy-to-Let Mortgages at West One HQ Thumbnail

A Guide to Buy-to-Let Mortgages at West One

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Why West One Buy-to-Let?

Buy to let mortgages
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Looking ahead to 2022 with West One Buy-to-Let

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Latest Buy-to-Let Blogs

 

  • What is driving the Specialist Residential and Buy-to-Let markets this year? Buy-to-let mortgages Residential mortgages

    What is driving the Specialist Residential and Buy-to-Let markets this year?

    Paul Huxter - Head of Clubs and Networks

    Read more
  • Why lenders' criteria is a challenge for Buy-to-Let borrowers Buy-to-let mortgages

    Why lenders' criteria is a challenge for Buy-to-Let borrowers

    The biggest challenge facing landlords is passing lenders' interest coverage ratio (ICR) requirements, according to a lending buy-to-let expert. 

    Read more
  • The proposed Renters (Reform) Bill and how it will impact private renters and landlords? Buy-to-let mortgages

    The proposed Renters (Reform) Bill and how it will impact private renters and landlords?

    The UK property market is still seeing stagnation. From house prices expected to fall until 2025, fluctuating numbers of first-time buyers, housing demand and...

    Read more

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