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For Specialist Property Finance, There's Only One. West One

Delivering Seamless Specialist Finance Across the UK

Established in 2002, West One has grown to become one of the UK’s largest non-bank lenders by delivering accessible, specialist property finance to real people in the real economy. From short-term lending to complex mortgages, our integrated portfolio of property finance supports homeowners, landlords, and property professionals across the entire property finance lifecycle.

Known for our personal, relationship-driven approach, we thrive on commercial problem solving, taking a 'can do' attitude, even in the most complex scenarios. We’re driven, expert, and responsible, with a reputation for delivering tailored solutions to clients with nuanced affordability and credit needs.

At West One, we don’t just lend, we build long-term partnerships that empower you to realise your property ambitions.

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The West One Story

Every business has its beginnings, and ours started in 2002 with a clear purpose: to provide fast, flexible bridging finance for those navigating the ever-shifting landscape of property. In a market where timing can make or break a project, we recognised the need for a lender who could move quickly and think creatively: helping property professionals, landlords, and homeowners seize opportunities when they mattered most.

From those early days, West One became known for our agility and our willingness to look beyond the surface. We worked closely with brokers and clients, understanding that every property deal had its own unique story and set of challenges. Our approach was simple: listen, assess, and deliver solutions that fit the needs of clients – not just tick boxes.

Fast-forward to today, and West One stands as one of the UK’s leading specialist mortgage lenders, with over £2 billion in assets under management and helping thousands of clients each year. Our story is written in the successes of those we support: the developer transforming a forgotten building, the landlord expanding a portfolio, the family unlocking the door to their new home, and so many more. But numbers only tell part of the story. What truly sets us apart is our commitment to partnership. We combine cutting-edge technology with a personal touch, ensuring every client gets the attention and underwriting expertise they deserve.

The West One Timeline

  • 2002: Business is founded with the aim of specialising in fast, flexible bridging finance for property professionals, landlords, and homeowners.

  • 2014: Joins the Enra Group and launches Second Charge mortgages, quickly becoming one of the UK’s fastest-growing lenders in this space.

  • 2018: Launches Development Finance offering for ground up and heavy refurbishment.

  • 2019: Expands product range to include Buy-to-Let mortgages, supporting landlords and property investors across the UK.

  • 2022: Launches first-charge residential mortgages, offering solutions for first-time buyers, home movers, and remortgage customers underserved by mainstream lenders.

  • 2023: Achieves record lending figures, with assets under management surpassing £2 billion and monthly originations reaching new highs.

  • 2025: Introduces Commercial Mortgages, further broadening West One’s specialist lending portfolio to support businesses and commercial property investors.

  • 2026 and beyond: remaining part of funding your success story. 

The West One Way

  • Experience in specialist property finance markets spanning two decades.
  • Size and scale to support large scale investments and developments.
  • Expertise and agility to deliver quick, tailored products for borrowers when mainstream lending is inflexible.
  • Integrated product portfolio - one lender throughout the property finance lifecycle.
  • A unique approach to credit risk.
  • A personal approach - treating every customer and case individually.
  • Advanced, proprietary technology. 
  • A quick and easy application process with fast approval processes.
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Proudly part of Enra Specialist Finance

Belonging to something bigger makes us stronger, and Enra Specialist Finance is recognised by the FT1000 as one of Europe’s fastest-growing property finance and specialist lending groups.

Since joining Enra, we have transformed from a small privately funded bridging lender into a diverse, institutionally backed specialist mortgage and property finance lender.

Intermediaries and borrowers trust us because of the certainty of finance, our speed and their access to decision-makers.

Enra Specialist Finance includes West One, the trading name for the following lenders: West One Loan, West One Secured Loans, West One Development Finance, and West One Commercial Mortgages. Aria Finance is also a broking company within the business.