Buy-to-Let Second Charge Mortgages

Buy-to-let second charge mortgages are a great alternative for landlords looking to release equity from their investment properties without having to remortgage.

West One offers a wide range of second charge mortgage solutions, encompassing both unregulated and regulated consumer buy-to-let properties. 

With a reputation for getting to know our diverse range of clients, from professional landlords with large portfolios to those with less-than-perfect credit histories try a more bespoke approach to lending with West One.

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Key product features

  • Rates from 6.49% including a range of variable and fixed-rate products
  • Loans from £10,000 to £100,000 including Consumer Buy To Let
  • LTV to 65%
  • 3 to 25-year terms
  • 2, 3, and 5 year fixed rates
  • Interest-only option available for borrowers with credible repayment strategies
  • Up to age 85 at end of term
  • Consumer Buy to Let products
  • Licensed HMOs and multi-let ASTs considered on referral
  • Available to individual landlords only

Properties we lend on

  • Properties in England and Wales, minimum £100,000 value
  • Residential properties with AST only
  • Freehold houses
  • Leasehold flats over 70 years at end of loan term
  • Ex-local authority houses over £150,000 value
  • Ex-local authority flats over £250,000 value


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