West One
West One

West One

West One is a leading bridging finance provider, working with brokers, partners, and property professionals. 

We offer a comprehensive range of bridging finance solutions including regulated and unregulated residential, commercial and buy-to-let bridging, from 0.55% per month.


Key Features  

Proc Fees

Product Gross
Bridging 1.5%
Buy to Let 0.6% 0.5%

Key Features

  • PMS-Tick.png

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

  • PMS-Tick.png

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

  • PMS-Tick.png

    Regulated & Unregulated bridging (1st & 2nd), commercial, & bridge-to-let

  • PMS-Tick.png

    Rates: starting from 0.55% per month, our rates are competitive across our range

Why consider West One?

Post Code Restrictions: Lender-InfoBoxWhite

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

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.

Register

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 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.


Buy-to-Let

Our buy-to-let offering aims to serve the wide-ranging needs of both amateur, and professional, landlords 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. It is designed to finance houses, leasehold flats and maisonettes, including new build properties. The range is available to both amateur and professional landlords, from those purchasing their first rental property to large scale, portfolio landlords.

Specialist Range

The Specialist range is available for landlords wishing to finance their property transaction in personal names or through a Limited Company SPV. It is designed to finance more complex transactions, such as HMO/MUFB’s, Holiday Lets, including from Ex-Pat Applicants. The range is available to both amateur and professional landlords, from those purchasing their first rental property to large scale, portfolio landlords.


Buy to Let Key Features

  • Products available to individuals, SPV limited company, LLPs, portfolio landlords
  • Specialist underwriting on all applications
  • No minimum income
  • Newly incorporated SPV limited companies acceptable
  • No additional rate loading for limited company applications
  • Flexible approach for portfolio landlords
  • First time landlords acceptable – must own main residence
  • HMOs up to 6 beds also available to first time landlords
  • MUB up to 10 units
  • Consider properties owned less than 6 months
  • Standard product range available up to 80% LTV

Bridging

Our extensive range of bridging loans have been developed to provide finance for a wide range of borrower needs. 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.