West One is a leading provider of specialist mortgage and property finance, offering Buy-to-Let, Residential mortgages, Second Charge, Bridging and Development Finance.
Our products are designed to meet the needs of a wide range of borrowers, including those with more complex circumstances.
Buy to Let
- Standard and Specialist range of 2- and 5-year fixed rate products
- Individual, limited company and LLPs
- LTVs up to 75%
- Expats, HMOs, MUFBs, Airbnb and Holiday Lets
- DSCR starting from 125% for basic rate taxpayers, stressed at 5% or pay rate for 5 year fixed rates
- First time landlords including HMO, MUFBs and Holiday Lets considered
- No minimum income and no evidence of income required (unless basic rate taxpayer and lower DSCR is needed)
- Inter-family sales – gifted equity/gifted deposit considered from immediate family members
- Flexible approach to portfolio landlords
Residential
- Multiple product ranges to suit borrowers
- Available to employed, self-employed, contractors and retired applicants
- No credit scoring: each case is assessed on its merits
- Older Borrowers accepted, with loan term ending at 85 years old
- LTI over 5 times incomes considered subject to meeting eligibility requirements
- Fixed rates and lifetime tracker products available
Second Charge, Bridging and Development Finance
- Second Charge Mortgages for residential and BTL properties
- Offering capital raising for landlords locked into longer term fixed rates
- Regulated and Unregulated bridging on a 1st and 2nd charge basis with competitive rates
- Development finance funding from £1m–£7.5m
Products from WestOne are available through Dynamo for Intermediaries as your payment route or you can take advantage of our packaging service. Please contact us for further details.