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.
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