West One is a leading provider of specialist mortgage and property finance, offering Buy to Let mortgages, Second Charge Residential and Buy to Let mortgages, 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

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.

Proc Fees

Product Type Gross % Net %
Bridging 2.00% 1.00%
Bridging Regulated 1.50% 0.75%
Buy to Let - Packaged 0.85% 0.45%
Buy to Let - Direct 0.60% 0.50%
Buy to Let - Packaged with effect 18th January July 2021 0.90% 0.50%