West One

We offer a wide range of buy-to-let mortgages to individuals, limited companies & LLPs. Our
specialist underwriters don’t use a credit score and assess each case on its own merit. We
are happy to discuss cases upfront.
Reasons to use West One Buy to Lets
- Rates starting from 3.34% 2 year and 3.44% 5-year fixed rates
- Max LTV 80% up to £250k Rental Stress calculation at 5%, or pay rate for 5 Year fixed products
- Max age on application 80
- First Time Landlords – HMO & MUFB – No BTL experience required providing one applicant owns their main residence and has a mortgage payment credit profile
- Ex-Pats living in EEA countries (outside EEA countries refer for AIP) Via Key partners only*
- Holiday Lets/Air BnB* lending based on AST rental value so must appeal on this basis Via Key partners only*
- No credit scored – Equifax Credit search (Mortgage Payment Profile required)
- Late Mortgage payments paid within 30 days of the due date are ignored
- Adverse – ignore blips under £350 & on W2 products
- Inter-family sales – gifted equity and gifted deposit considered
- No minimum income requirements
- Long Term Corporate Lets & DSS/Student Tenants
- New build flats up to 65% LTV – refer over 5 stories
- Flats / House next to/above Commercial Premises on Specialist range – refer for AIP
- Studio Flats (subject to 30sqm refer if less)
- Multi-unit freehold buildings max 10 units & residual/partial MUFBs refer for AIP
- Ex-Local Authority Flats – referral if balcony/deck access (require majority privately owned)
- Let to Buy (with simultaneous Completion on new home) and Consumer BTLs considered
- Flexible approach towards portfolio landlords
- Fast track re-mortgage options to speed up completions
Annette Tilbury has worked closely with Complete FS & the directors for over 25 years. Annette joined West One BTL in 2019 as National Account Manager and looks after the daily relationship between Complete and the lender.

New Enquiry/Case Tracking
For all your online enquiries, DIP’s, applications and case updates you can use BORIS.

Complete Introducer Service
Want to introducer to us? We have fully qualified mortgage advisers who will take on the advice part for you.