West One Loans - Buy-to-Let

West One are better known for their bridging and second charge products, but in 2020 they launched into the Buy-to-Let market with a range of attractive products. Their entire range is based on a manual credit assessment, with underwriters that find ways of getting deals over the line.

Their products cover many situations where others will not lend, including first-time landlords, flats over commercial including takeaways), high-rise flats over 5 storeys, ex-Local Authority flats, deck access flats, expats inside and outside the EEA, and holiday lets.

None of their products use any form of credit scoring and all of their products are also available as Consumer Buy-to-Let mortgages. The same rates are usually available for both individual and company applications and enquiries are also accepted from SPVs with the correct SIC code.

For second charge loan enquiries, click here

How to submit business to this lender?

If you are passing the customers details to us and you wish for us to provide the advice, please download and complete the editable SCF Decision in Principle form from the Lender Documentation tab below. Alternatively, you can call 0800 810 1888 or email btl@specialisthub.co.uk.

If you wish to provide the advice to the applicant(s) yourself, please download and complete the lender's enquiry form. Remember, you must have the correct FCA permissions to be able to provide advice if the case falls under FCA regulation. All other documents you will need are available to download in the Lender Documentation tab.