West One
West One

West One

West One is a leading specialist in Buy-to-Let, Bridging Finance, Development Finance, Second Charge and now Residential Mortgages. Working closely with our broker and distribution partners we offer a competitive range of products to meet the complex needs of the client. West One adopt a ‘reason to lend’ approach, and actively look for solutions by working with customers.

Key Features

Proc Fees

Product Gross Net
Bridging 1.5% 1.4%
Buy to Let 0.6% 0.5%
Residential 0.5% 0.4%
Product Transfer 0.3% 0.28%

Key Features

  • PMS-Tick.png

    Buy-to-Let - No credit scoring with, no minimum income

  • PMS-Tick.png

    Buy-to-Let - Flexible approach towards portfolio landlords

  • PMS-Tick.png

    Residential - Unsatisfied defaults & CCJ’s less than £500 each ignored

  • PMS-Tick.png

    Residential - LTI’s in excess of 5x available

Why consider West One?

Post Code Restrictions: Lender-InfoBoxWhite

Buy to Let – England and Wales Only
Bridging – England, Scotland mainland, Wales
Residential – England and Wales

Register Lender-InfoBoxWhite

Register to place business with West One:

To register for West One Buy to Let Mortgages please click here and click ‘Become an Introducer’

For West One Bridging registrations or enquiries please click here

To register for West One Residential Mortgages please click here and click ‘Become an Introducer’

For any further help and assistance please call 0333 1234556

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


As one of the largest specialist lenders in the market, West One are proud to be trusted partners to a wealth of intermediaries, borrowers, and property professionals for their complex specialist lending needs. Since our establishment in 2005, and with our history in bridging finance, we have grown extensively to offer a comprehensive portfolio of specialist lending products including First charge mortgages, second charge mortgages, development finance and buy-to-let mortgages.

Besides offering some of the most competitive lending rates in today’s market, our superfast online platform offers bespoke technological solutions to support swift decisions, as well as reducing processing times to speed up the completion process. We have a dedicated team of experts on hand to support brokers, property professionals and borrowers who have more complex circumstances, and who might benefit from a more personalised approach to find a solution that best fits their needs.

We are committed to offering the highest levels of service to our clients, brokers and partners and our dedication to our products and commitment to the market has seen our team win several industry and trade awards.


Our buy-to-let offering aims to serve the wide-ranging needs of both amateur and professional landlords applying in personal names or Limited company. With our comprehensive product ranges tailored to both standard and specialist buy-to-let cases.

Standard Range

The Standard range is available to UK based individuals wishing to finance their property transaction in personal names or through a Limited Company SPV. Does not include HMO, MUFB above or next to commercial, Expat or Holiday Lets.

Specialist Range

The Specialist range is designed to finance more complex transactions such as properties above or next to commercial, HMO, MUFB, Holiday short term lets and Expats available for individuals or limited company applications.

Visit our website to see our latest products and criteria

Buy to Let Key Features

  • Products available to individuals, SPV limited company, LLPs

  • Specialist underwriting on all applications

  • No minimum income
  • Maximum age of 80 at application
  • Newly incorporated SPV limited companies acceptable
  • No additional rate loading for limited company applications
  • Flexible approach for portfolio landlords with no stress testing on background portfolio
  • First time landlords acceptable – must own main residence
  • HMOs up to 6 beds (up to 10 beds by referral) available to first time landlords
  • MUB up to 10 units
  • Holiday and Short Term Lets (Air BnB use acceptable)
  • Expats EEA residency, outside EEA considered by referral
  • Consider properties owned less than 6 months
  • Standard product range available up to 80% LTV
  • ICR of 125% for Limited Company and basic tax band borrowers, 135% for HMO & MUFB, 140% for high / additional rate tax band at payrate on all 5 year products

Contact details for Buy to Let

If you have a Buy to let enquiry you want to discuss, please contact one of our Business Development Managers who will be happy to assist  on:
Tel No: 0333 1234 556
Email: [email protected]


Key Features Bridging

  • Pragmatic underwriting, supporting complex cases and larger loans over 10m

  • We work in a way that can complete deals quickly, in as little as under 3 days

  • Regulated & Unregulated bridging (1st & 2nd), commercial, & bridge-to-let
  • Rates: starting from 0.55% per month, our rates are competitive across our range

As a leading bridging finance provider since 2007, the West One team have an industry reputation for providing a personalised approach to lending resulting in an extensive portfolio of bridging loans. Our highly experienced underwriting team provide the speed and flexibility needed to help get your clients’ projects safely over the line when the timing is critical.

Bridging Key Features

  • Residential - Ideal for purchases, auction, development exit, refurbishments or refinances of residential

  • Properties that are either used as a principle primary residence or for investment purposes.

  • Commercial/Semi Commercial - Short term finance for purchases and refinances of both commercial and semi-commercial properties.
  • Land - Finance for purchases and refinances of land both with and without planning permission
  • Available as first or second charge and have no early repayment charges.
  • A quick and easy application process with fast approval processes – as little as 3 days
  • Pragmatic underwriting, supporting complex cases and larger loans over £10m
  • A unique approach to credit risk
  • Advanced technology, broker portals and case submission hubs
  • Unique and integrated product portfolio allowing consistency throughout the property finance lifecycle.
  • Bridge to let loans available where exit strategy for borrower will be to refinance to Buy to Let mortgage
  • Bridging loans are available as first or second charge and have no early repayment charges.



As one of the UK’s leading specialist mortgage lenders, West One offers a comprehensive range of Residential mortgage products to borrowers who maybe underserved by the Highstreet. The highly experienced West One underwriting team provide the speed and flexibility needed to help get your clients’ first, next or dream home.

Residential Key Features

  • Multiple product ranges available for borrowers
  • Purchase, Remortgage and Unencumbered Products available
  • Standard maximum LTI up to 5.0 times income across all plans
  • LTI’s over 5.0 times income considered on Prime Plus Flex and Prime Flex subject to meeting

eligibility requirements

  • LTV’s up to 85% including First Time Buyers
  • Available to employed, self-employed, contractors and retired applicants
  • Flexible loan sizes from £25,000 to £1,000,000 over a 5-40 year payment term
  • Capital raise for almost any legal purpose including debt consolidation up to 85% LTV
  • Fast track remortgage service provided by our on-site solicitors available for loan sizes up to £750,000
  • Fixed lender fees ranging from £995 - £2995.

Contact details for Residential

To discuss a case, please get in touch with our Residential support desk:

E: [email protected]
T: 0333 1234556 option 3