West One

West One Are A Specialist Lender providing loans for bridging, buy to let and secured loans.

They have recently introduced a new innovative range of Buy To Let Product, here are some key features:

  • Range of standard and specialist BTL products offered to both individual and limited company borrowers
  • Specialist range catering for Licensed HMO’s, MUFB’s, Holiday Lets, Airbnb and Ex-Pats
  • Flexible DSCR calculation for LTV’s up to 65% LTV – 125% DSCR regardless of tax banding
  • Stressed at 5% or 5 year fixed pay rate
  • Flexible approach to portfolio landlords with no limit on number of properties in the background
  • Loan sizes up to £2m with LTV’s up to 80% (standard range) and 75% specialist range (max loan 65% at £2m)
  • Minimum age 21, No maximum age
  • Credit check not credit scored
  • Light adverse permitted – satisfied CCJ’s & defaults plus unsatisfied under £350 permitted for plan selection and more recent adverse permitted on our Apex 1 plans
  • First Time Landlords including HMO’s providing they own their own property
  • Longer term corporate lets up to 60 months considered
  • New Build Flats up to 75% LTV
  • No minimum income requirements
  • Fast Track Re-mortgage for individual and simple SPV borrowers borrowing up to £750k (standard re-mortgage only) available on standard and HMO properties
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