Our buy-to-let
second charge range

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Buy-to-Let Second Charge mortgages offer landlords an alternative to remortgages or further advances, if they want to release equity from their rental investment properties.

This can be to help fund new property acquisitions, pay for renovations or just fund other needs.

West One offers an extensive range of Second Charge mortgage solutions that can be secured on Buy-to-Let properties, including unregulated Buy-to-Lets as well as regulated consumer Buy-to-Lets.

This range is built on our strong reputation for taking time to understand individual borrower’s needs, so we can cater for borrowers who require a bespoke approach to lending, such as professional landlords with large portfolios or those with less-than-perfect credit histories.

Key product features:

  • Rates from 5.29% also available to interest-only borrowers
  • £10,000 to £250,000 loan size
  • LTV to 75%
  • 3 to 30 year terms
  • 2, 3 and 5 year fixed rates
  • Equitable Charge Products considered where consent to a second charge cannot be obtained
  • Variable rate options without Early Repayment Charges
  • 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
  • Simple online rental coverage calculator

Properties we lend on:

  • 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

Who we lend to:

  • Individuals only
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