West One for Intermediaries: A Trusted Partner in Specialist Lending
In the ever-evolving world of property finance, brokers and financial advisers need access to lending solutions that are fast, flexible and reliable. One lender that consistently stands out in this space is West One Loans. For nearly two decades, they’ve delivered bespoke mortgage and finance products that meet the complex needs of landlords, developers, homeowners and, most importantly, intermediaries.
This article explores the powerful proposition of West One for Intermediaries, giving brokers and financial professionals an in-depth view of their offerings, values, and why they remain a market leader in specialist lending.
Who is West One Loans?
Company Snapshot
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Website: https://www.westoneloans.co.uk
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Phone: Available via the contact page on their official website
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Headquarters: The Edward Hyde Building, 3rd Floor, 38 Clarendon Road, Watford, WD17 1JW, England
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Founded: 2005
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Company Size: 51–200 employees
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Industry: Financial Services
Specialties
West One Loans specialises in:
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Bridging Loans
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Development Finance
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Second Charge Mortgages
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Buy-to-Let Mortgages
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Residential Mortgages
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Regulated & Unregulated Bridging
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Semi-commercial and Land Bridging
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Heavy Refurbishment and Ground-up Development
They’ve carved out a reputation for delivering seamless finance solutions that help property professionals and borrowers achieve their goals—no matter how complex the scenario.
West One for Intermediaries: Your Strategic Lending Partner
Why Intermediaries Trust West One
The phrase “West One for Intermediaries” has become synonymous with speed, expertise, and human-led decision-making in the UK specialist lending market. Their approach is simple but effective: treat every application on its individual merit and support intermediaries with the tools and access they need to succeed.
Key Advantages for Brokers
Manual Underwriting on Every Case
Unlike many mainstream lenders that rely solely on credit scoring, West One takes a more flexible approach. Every application is manually reviewed by experienced underwriters who assess real-world circumstances.
Comprehensive Lending Across the Property Lifecycle
From short-term bridging finance to long-term buy-to-let solutions, West One supports brokers at every stage of a client’s property investment journey.
Dedicated Business Development Managers
Brokers receive personalised support from BDMs and case managers who work with them from application to completion.
Quick Turnaround Times
West One’s internal team structure means brokers experience swift decisions, even for more complex scenarios. This speed is a key advantage in the competitive world of property transactions.
Product Portfolio: Tailored for Intermediary Success
Bridging Loans
What’s Available:
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Residential Bridging: For quick purchases, auction finance or chain breaks.
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Commercial / Semi-Commercial Bridging: For investors needing short-term finance secured against mixed-use or fully commercial assets.
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Land Bridging: Finance available for land with or without planning permission.
Features:
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Loan sizes typically up to £30 million
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Terms from 3 to 18 months
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Up to 70% LTV
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Available across England, Wales, and mainland Scotland
Development Finance
For heavy refurbishments or ground-up construction projects, West One offers tailored funding that’s perfect for seasoned developers and ambitious new entrants alike.
Highlights:
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100% build cost funding (with equity input)
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Available for single units and multi-unit developments
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Transparent fee structures
Buy-to-Let Mortgages
West One’s Buy-to-Let range caters to:
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First-time landlords
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Limited companies and SPVs
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Expat investors
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Professional portfolio landlords
Benefits:
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Lending up to £10 million per borrower (higher by exception)
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Up to 80% LTV
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No minimum income requirement
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Flexible credit profiles considered
Second Charge Mortgages
West One is a standout in the second charge space, offering options for both residential and buy-to-let properties.
Notable Features:
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LTVs up to 97.5%
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Fixed rates from competitive thresholds
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Interest-only options available
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Suitable for capital raising, debt consolidation or funding new ventures
Residential Mortgages
For clients who don’t fit into the mould of traditional high-street borrowers—such as the self-employed, foreign nationals or those with adverse credit—West One offers solutions that work.
Criteria Highlights:
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Up to 90% LTV (and up to 95% for select FTB products)
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Accepts Tier 1/Tier 2 visa holders and ancestry visa applicants
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2 years’ trading history for self-employed borrowers
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No automated credit scoring
Digital Tools and Resources for Intermediaries
West One has invested in a digital-first experience to support brokers. Intermediaries can register, submit cases, and access product guides through the official website. Regular webinars, CPD-accredited training, and product updates help brokers stay informed and equipped for success.
Broker Testimonials and Industry Reputation
Intermediaries frequently highlight West One’s responsiveness, product range and willingness to lend on complex cases. The company has received accolades in the mortgage industry for its innovation and broker support.
Why West One for Intermediaries Should Be Your Go-To Lending Partner
In a specialist finance market filled with rigid criteria and faceless service, West One for Intermediaries offers something unique—a true partnership. With expert underwriters, tailored products and a broker-centric approach, they simplify even the most challenging funding scenarios.
Whether you’re placing a case for a first-time landlord, a seasoned property developer, or a homeowner with non-standard income, West One has the product range, flexibility, and service model to help.
Final Thoughts
Since 2005, West One Loans has been a pillar in the UK’s specialist finance market. Their commitment to intermediaries, combined with a product suite that covers the full investment lifecycle, sets them apart. If you’re a broker looking for a lender that understands real-life cases and delivers speed without sacrificing service, West One for Intermediaries should be your first choice.
