Business Details
24 Years
experience
Trusted Specialist Mortgage Lending Solutions
Established in 2002, West One Loans has been a pioneer in specialist property finance, delivering fast and flexible lending solutions tailored to the evolving needs of property professionals, landlords, and homeowners. Our approach combines two decades of market expertise with advanced technology, ensuring a seamless application process and rapid decision-making. We pride ourselves on treating every case individually, offering bespoke solutions where mainstream lenders cannot. As part of Enra Specialist Finance, we leverage institutional backing and scale to support large-scale developments and personal property ambitions alike. Our integrated product portfolio spans the entire property finance lifecycle, from bridging loans and development finance to residential and commercial mortgages.With offices in Watford and Manchester, we provide nationwide coverage, supported by a dedicated team of brokers and underwriters. Our commitment to innovation and partnership has enabled us to surpass 2 billion in assets under management, funding thousands of successful deals annually. We remain focused on empowering clients to seize opportunities through agile credit risk assessment and a personal touch. Our membership in leading industry bodies underscores our dedication to professionalism and ethical standards. Today, West One Loans continues to build on its legacy of delivering certainty, speed, and access to decision-makers in specialist lending.
Services
Bridging Loans
Development Finance
Commercial Mortgages
Buy-to-Let Mortgages
Residential Mortgages
Second Charge Mortgages
Details
- Year established: 2002
Highlights and features
- Over 20 years' experience in specialist property finance markets
- Integrated product portfolio covering entire property finance lifecycle
- Advanced technology enabling fast approvals and seamless applications
- Personalised underwriting approach treating each case individually
- Part of Enra Specialist Finance, Europe's fastest-growing property finance group
What people say
Fast approval process
Flexible lending criteria
Expert underwriting team
Competitive rates
Nationwide support
Services
Bridging Loans
Specialist bridging loans provide rapid funding for property transactions requiring urgent completion. Our flexible criteria accommodates complex cases, with loan sizes from 96k to 11.16m and LTV up to 74.4%. Fast-track approvals within 6-12 days support auction purchases, legal obligations, and development opportunities.
Development Finance
Tailored financing for ground-up developments and major refurbishments. We fund schemes from 1.69m to 18m with LTV up to 65%, supporting residential conversions and commercial projects. Our agile underwriting delivers decisions within 6 days, with terms aligned to project timelines.
Commercial Mortgages
Specialist financing for commercial property investments, including retail, office, and industrial assets. Our products cater to complex cases with flexible affordability assessments, supporting both acquisition and refinancing requirements across the UK.
Buy-to-Let Mortgages
Competitive remortgage solutions for residential landlords, with loan sizes up to 700k and LTV of 29.79%. Our 25-year terms and tailored underwriting support portfolio expansion and cashflow optimisation for experienced property investors.
Residential Mortgages
Flexible residential mortgages for first-time buyers, home movers, and remortgagers, including debt consolidation options. We offer competitive rates from 5.84% with LTV up to 72%, supporting both standard and complex affordability scenarios.
Questions
What types of property finance does West One offer?
We provide bridging loans, development finance, commercial mortgages, buy-to-let mortgages, residential mortgages, and second charge mortgages tailored to specialist property needs.
How quickly can West One approve a loan?
Bridging loans complete in as little as 6 days, with development finance decisions within 6-18 days and residential mortgages processed in 19-30 days.
Do you lend to first-time property investors?
Our residential mortgages support first-time buyers, while buy-to-let products cater to experienced landlords seeking portfolio expansion.
What areas do you cover across the UK?
We operate nationwide with dedicated brokers in every region, supporting both urban and rural property transactions from our Watford and Manchester offices.
How does West One handle complex cases?
Our unique credit risk approach considers individual circumstances beyond standard criteria, enabling solutions for auction purchases, legal obligations, and development challenges.
What makes West One different from mainstream lenders?
We combine 20+ years' specialist experience with agile decision-making, offering tailored solutions where traditional banks cannot, supported by Enra Group's institutional strength.
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Reviews (6)
Lawrence Deneault
Jun 30, 2021
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I have worked with Laura Toke for some years now. She recently joined West One, and I must say, what a delight to work with her new organization. They were flexible enough to solve our unique circumstances, and it is appreciated.
Paul Howard
Dec 09, 2020
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In my own recent experience this is a very poor loan company. I suggest you try other companies first. Far too slow and dithering!
Charlie Hill
Jan 27, 2019
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Financial Loan Specialist with Personable, knowledgeable, friendly staff. Ready to help with Financial Solutions
Cat Morris
Oct 25, 2018
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The team at West One are always a pleasure to deal with. They are friendly and professional and really helpful. Highly recommend.
Chris Rogers
Sep 24, 2018
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Working with the team at West One Loans has been brilliant. They're a team that work hard and want to do their best for their customers.
Dobrin Ivanov
Jul 12, 2018
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Excellent service and competitive products. Michael Grant is an asset to the company and always there to help. Will recommend to everyone
