This information is for current and potential customers.

West One Mortgages

Our dedicated Mortgages Division is designed to support clients navigating the residential property market. We work exclusively with intermediaries, helping them find tailored solutions for borrowers for even the most complex mortgage cases.
 
Whether it's residential, second charge, or buy-to-let mortgages, we offer flexible options where mainstream lenders often can’t. From clients with adverse credit or unconventional affordability to self-employed individuals and first-time buyers, we aim to say "yes" more often.
 
Please note: Our mortgage products are available exclusively through intermediaries.
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Residential Mortgages

West One offers a comprehensive range of residential mortgage products to borrowers who are unable to obtain a high street mortgage. 

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Second Charge Mortgages

A comprehensive range of second charge mortgage products available for both residential and buy-to-let properties.

Buy-to-Let Mortgages

Mortgage options for professional and amateur landlords looking to start or grow their property portfolio.

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New to West One?

If you’re looking for a bridging loan, development finance, or commercial mortgages, we may be able to help you directly.

If you’ve been referred to us via your broker, you’re in good hands. West One has been helping homeowners, landlords and property investors achieve their financial goals for over the two decades.

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Who does West One provide specialist finance to?

  • Property Investors
  • Property Developers
  • Landlords
  • First Time Homeowners
  • Existing Homeowners
  • Home Movers
  • Businesses
  • Entrepreneurs
  • Limited Companies 

We Assess Every Case Individually

At West One, every application gets the attention it deserves. We’re well known for our manual underwriting approach and taking the time to understand each case on its own merits. No algorithms, no box-ticking, just expert underwriters, with a desire to lend, making smart decisions.



We Lend Where Others Won't

At West One, we work with all kinds of borrowers; those with complex incomes, credit blips, or affordability profiles that don’t fit the high street. Where others see red flags, we see real people. Our expert team looks to find smart, flexible solutions that make property finance possible.

We Balance Speed and Service

West One is recognised across the specialist finance industry for delivering fast, reliable access to funding when time is critical. We balance this responsiveness with a firm commitment to quality, applying rigorous standards and a service-led approach to every case we handle.

We're a Trusted Lender

Over the past two decades, West One has experienced continuous growth, earning a strong reputation across the specialist finance sector. Our award-winning products, recognised and voted for by industry professionals, reflect our commitment to quality and innovation. Today, we are proud to be a trusted lending partner across the UK.