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West One

West One

We’re a leading provider of specialist mortgages and property finance, helping homeowners, landlords and property investors meet their financial goals. From the straightforward to the complex, we treat each case purely on its merits.
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News & Posts
Criteria To Be More Important Than Ever in Current Climate for Non-Bank Lenders
For a lot of landlords, especially those who have entered the buy-to-let sector in the past 10 years or so, we are currently in unchartered territory.
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West One Loans Announces Product Changes for BTL
West One Loans' buy-to-let division has announced a range of product and criteria changes, including reduced rates on its new GREEN product range and new Limited Edition Loans.
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West One Buy-To-Let Added to PRIMIS Mortgage Network Lender Panel
West One Loans has been appointed to the PRIMIS Mortgage Network panel in a move which will boost the lender’s ambition to be the ‘go-to option’ for brokers in the buy-to-let space.
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The Future of Second Charge After COVID-19
The second charge market was hit hard during the pandemic, hitting a crisis low of £21m in May 2020 as a direct result of the economic fallout.
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Second Charge Changes at West One
West One Loans has made product and criteria enhancements to its Apex 1 second charge mortgage range including raising the loan to value from 80% up to 85%.
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Bank of Mum and Dad (BOMAD) Can Use Second Charge to Fund Home Deposits
Gifting or lending money to family members so they can buy their own home is not new but it is more prevalent than it used to be. 
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New Build Homes Must be Zero Carbon by 2025
On 19 January 2021, the government published its response to the Future Homes Standard consultation. The response includes plans to radically improve the energy performance of new homes, 
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Bridging Loans and Interest Rates: How do we Calculate the Risk?
Bridging finance is a form of short-term borrowing, designed to help property owners “bridge” a temporary finance gap in a wide range of situations. The interest rates that apply reflect the short-term nature of this type of arrangement
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Bridging Finance
In the article good information share regarding bridging loans.
West One Loans BTL Expands to Support 2021 Growth Strategy
Specialist lender West One Loans is expanding its buy-to-let division with a number of senior hires and vacancies for a range of roles, as it rolls out its growth plans for 2021
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West One Amends BTL Products and Criteria
West One has amended its buy-to-let (BTL) products and criteria.  
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Why Covid-19 has Further Boosted the Need for Specialist Lenders
Lenders that understand the wider property market and skilfully serve a diverse range of needs are more crucial than ever, says Andrew Ferguson of West One Buy-to-Let
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£427,000 Bridging Loan for Auction Purchase During Lockdown
Read more here about how a client worked with West One to access a bridging loan of £427,000 to complete on their auction purchase during the coronavirus lockdown.
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West One Loans Enhances Second Charge Products to Support the Industry Through Impact of COVID-19
We are delighted to announce a series of positive enhancements to our second charge product range with immediate effect.  
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Bridging loans and interest rates: What are the risks?
Let's look at how we calculate the risks with leading provider of specialist mortgages 'West One Loans'. 
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Considering a bridging loan for your property investment? 
Considering a bridging loan for your property investment? How to maximise being a classed low risk borrower? 
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Bridging loans: how are we different to other lenders?
From first-time home buyers through to seasoned buy-to-let investors, borrowers of all shapes have very similar expectations of their brokers: they want to navigate the lending market, pinpoint the best deals, and access funds with a minimum of hassle.
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Do you really know how flexible bridging loans can be?
Inventive ways to use bridging loans - here are a few recent creative cases we helped clients with:
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West One Loans achieves over £100 million in gross lending in November
We are delighted to announce record figures for November 2019 – having lent over £100m through the month, with strong performance from all product lines including bridging, development finance, Second Charge mortgages and specialist Buy-to-Let (BTL) mortgages.
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West One welcomes Amir Khan as Key Account Manager, Buy-to-Let
West One Loans are delighted to announce the appointment of Amir Khan as a Key Account Manager focusing on their new range of Buy-to-Let (BTL) mortgage products.
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Property Conversion
A property developer, which owned a commercial office building in Paddington worth £5 million had plans to sell the block.
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Arc & Co arranges £9m bridging loan on vacant office building
Arc & Co Structured Finance has worked with West One Loans to secure a £9m senior bridging loan against a vacant office building in London valued at £14m.
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Short-term finance for property professionals: what are my options?
It’s not unusual for property professionals of all types to find themselves in emergency situations requiring a quick financial fix. 
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What are the differences between commercial and residential bridging loans?
From repairing broken property chains through to funding workspace expansion, bridging loans can be useful ways to raise finance in a wide range of situations. From part-time landlords and renovation specialists to company directors, partners and sole traders, this versatile form of short-term borrowing can be beneficial even in the trickiest scenarios.
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Fulham Mews purchase
In August 2012, a UK property development company borrowed £1,000,000 from a mainstream lender to purchase a mews house in Fulham, West London and convert it into two new flats. The company had 12 months to repay the loan within which time it expected to convert, fully refurbish and sell the properties. After 10 months, the flats were completed, valued together at £1,750,000 and placed on the market with an estate agent for sale.
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Auction purchase
An experienced property developer in Richmond successfully won an auction bid to purchase a mixed use property in the area and convert it into fully residential use. The client agreed to purchase the property for £3,000,000 and under the terms of the contract had just under two months to complete the acquisition.
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West One Loans and JaeVee in £3m development finance deal
We have teamed up with JaeVee - a disruptive prop-tech business revolutionising how people invest, develop and learn about property – for a £3.19m development finance facility.
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Buying to let for the first time? How a bridging loan can help you
When buy-to-let opportunities arise, investors frequently need access to a fast, reliable source of finance to secure the purchase. What’s more, to qualify for mortgage lending, and to help attract their first tenants, new buyers may also need funds for essential property improvements.
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West One loans launches-buy to let mortgage range
Specialist lender West One Loans has formally launched a range of first charge Buy-to-Let mortgage products.
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West One agrees on £1m development funding deal
West One, the largest privately-funded bridging lender in the UK, has stepped in to fund a loan of almost £1M on a highly unusual property construction after the borrower was let down at the last minute by another lender.
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West One lends £1m on luxury home
West One, one of the biggest privately funded short-term lenders in the UK, has been approached by a property developer looking to fund the development of a luxury residential property.
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