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.
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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
We're working on adding live mortgage rate information for West One Loans. In the meantime, visit their website for the latest rates.
View rates on West One LoansApplication 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?
How fast can West One Loans complete a bridging loan?
What is the maximum bridging loan from West One Loans?
Who owns West One Loans?
How to Apply
Broker Only
West One Loans products are only available through mortgage brokers. Use our broker directory to find a broker with West One Loans on their lender panel.
Contact Information
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.