West One Mortgages
Specialist mortgage products from a leading short-term and buy-to-let lender. Bridging exits, portfolio landlord lending, and complex income solutions.
Short-term expertise, long-term solutions
West One is a specialist property lender known for bridging finance, but their mortgage range is equally impressive. By offering both short-term and long-term property finance, West One can provide a seamless funding journey from acquisition through to permanent mortgage, all under one roof.
Through Doulton Bridging Finance, we access West One's mortgage products regularly for clients transitioning from bridging to term lending, as well as standalone mortgage applications. Their understanding of property investors and complex transactions makes them a strong choice for borrowers who need more than a standard high street mortgage.
Specialist property lending expertise
Bridging to Mortgage
Seamless transition from West One's bridging finance products to their mortgage range, providing a single-lender solution for property purchases that require initial short-term funding.
Specialist Buy-to-Let
Competitive buy-to-let products for experienced landlords, including HMO lending, multi-unit freehold blocks, and limited company structures with flexible rental calculations.
Complex Income Assessment
Experienced in assessing income from property portfolios, self-employment, and multiple sources, with underwriters who understand the financial profiles of active property investors.
Refurbishment Exit Lending
Mortgage products designed to refinance properties that have been purchased and improved using short-term finance, recognising the enhanced value after renovation works.
Portfolio Landlord Products
Products designed for landlords with larger portfolios, with streamlined assessment processes and criteria that reflect the experience and track record of professional investors.
Speed and Certainty
West One's specialist focus means faster decisions on complex cases, with underwriters who deal exclusively with property finance and understand the urgency of property transactions.
How it works
Strategy Review
We review your property investment strategy and financing needs to determine how West One's specialist products can support your short-term and long-term objectives.
Product Structuring
We identify the optimal West One product, whether standalone mortgage, bridging exit, or combined facility, to deliver the best financial outcome for your transaction.
Application Management
We prepare and submit your application through West One's intermediary platform, managing the specialist underwriting process to secure your offer efficiently.
Completion
We coordinate with West One and your legal team to complete the mortgage, ensuring a smooth drawdown whether this is a new facility or an exit from existing bridging.
Explore West One mortgage products
Access specialist mortgage products from a lender that understands property investors. Get expert advice on your financing options today.
Frequently asked questions
Can I get a West ONE mortgage through Doulton?
Yes. We hold broker agencies with West ONE where available and can access their intermediary product range. Where West ONE is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.
Why apply to West ONE via a broker rather than direct?
Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if West ONE cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does West ONE offer?
West ONE's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what West ONE can support today.
What if my application is complex - non-standard income, expat status, adverse credit?
Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.
How long does a mortgage application take?
Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.
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