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.