West One Loans
Specialist LenderWest One Loans is one of the UK's leading specialist short-term lenders, providing bridging finance, development funding, and buy-to-let products. Part of the Enra Group, West One combines institutional backing with a flexible, entrepreneurial lending approach for professional property investors.
About West One Loans
West One Loans is one of the UK's leading specialist short-term lenders and is part of the Enra Group. The lender provides bridging finance, development funding, and buy-to-let products. West One combines institutional backing with a flexible, entrepreneurial lending approach for professional property investors.
West One has built a strong presence in the bridging and development finance market. The lender serves property investors and developers through intermediaries, with a reputation for competitive terms and reliable execution. West One benefits from the financial strength of the Enra Group.
West One Loans is broker-only and works with property finance intermediaries across the UK. The lender is regulated by the FCA and has been a significant player in the specialist finance market for many years.
Lending Focus
West One Loans offers mortgage products across 6 categories including Buy-to-Let, Bridging, Development and 3 more.
Key Features
- Bridging loans from £50k to £25m
- Ground-up development finance with staged drawdowns
- Specialist BTL including HMO, MUFB, and holiday lets
- Fast-track completions available within 5 working days
- Institutional funding strength with flexible lending criteria
Pros & Cons
Pros
- One of the UK's leading specialist lenders with institutional backing
- Very broad product range — bridging, development, BTL, HMO, and holiday lets
- Fast-track completions available within 5 working days
- Accepts contractors alongside self-employed applicants
Cons
- –Broker-only — no direct applications
- –Does not lend to adverse credit borrowers
- –Higher rates than mainstream term lenders on bridging products
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — instructed upon application
- Early Repayment Charge
- No ERC on most bridging products — minimum interest period may apply
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on West One Loans
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 5–15 working days from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 80%
Frequently Asked Questions
Does West One Loans offer holiday let bridging finance?
West One Loans offers specialist BTL products including holiday lets, HMO, and multi-unit freehold blocks, alongside their bridging and development ranges.
How fast can West One Loans complete a bridging loan?
West One Loans offers fast-track completions within 5 working days on straightforward cases with clear title and valuation.
What is the maximum bridging loan from West One Loans?
West One Loans offers bridging loans from £50,000 up to £25 million, making them suitable for both small and very large transactions.
Who owns West One Loans?
West One Loans is part of the Enra Group, which provides institutional funding backing and financial stability to the lending operation.
How to Apply
Broker only. West One Loans products are available through mortgage brokers. Find a broker with West One Loans on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Castle Trust | Buy-to-Let, Bridging, Development+2 | Specialist | 80% |
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
| Shawbrook Bank | Buy-to-Let, Commercial, Bridging+2 | Specialist | 75% |
| Paragon Bank | Buy-to-Let, Commercial, Development+2 | Specialist | 80% |
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