Below is an update from West One, the Bridging, BTL, Commercial, and Seconds Mortgage lender, that you can access via our specialist mortgage team. Contact our team today for more information.
Announcement
Buy-To-Let Product Update: Introduction of Limited Edition Discounted Tracker Products & Increases to 5 Year Fixed Rates
We are making some changes to our Buy-to-Let product range with effect from 9am on Friday 21st August.
Introduction of Limited Edition Discount Tracker Products from 4.50%
We are introducing a new range of Discounted Tracker Products without early repayment charges starting from 0.75% above the bank base rate.
Key Product Information:
- Rates starting from 4.50% with no early repayment charges applied
- Loan sizes up to £1.5m for LTV’s up to 65%; Up to £1m for LTV’s up to 75%
- Product options across the Standard and Specialist Range up to 6-bed units (HMO & MUBS) and above/next to commercial properties
- AVM’s accepted on the Standard Range up to 65% LTV (subject to eligibility)
- Available for first-time landlords
- Unlimited portfolio size but limited to a total of 20 loans per borrower and £3m borrowing
- Minimum 12 months mortgage history required
- Available for securities located in England and Wales.
- W1 Limited Edition Credit Tier Rules apply
- 4% Product Fee
Exclusions:
- CBTL mortgages
- Properties located outside of England & Wales
- Unencumbered properties
Pricing Increases – 5-Year Fixed Rates
We are increasing our 5-Year Fixed Rates by 35bps across the Buy-to-Let mortgage range. Our existing product range will be withdrawn at
9am on Friday 21st August and replaced with updated pricing.
Please note that our range of 2-year fixed-rate products remains unchanged.
Important Dates
- Product Selection – Current 5-year fixed rates withdrawn at 9 am on Friday 21st August, with new products available for selection
- Mortgage Applications – Last date for submission of mortgage applications on withdrawn products is close of business Friday 28th August 2026 (subject to payment of £199 application fee)
- Mortgage Offers – We will honour new and existing pipeline cases, provided the mortgage offer is issued by close of business on Friday 2nd October 2026.
Full details can be found in our updated product guide:
Limited-Edition Bridging starting at 0.70%
Avoid the rocky road with those who flake on you at the last minute or crash out when the heat gets too much.
Instead, go with a lender who can move quickly and keep cool to create a smooth pathway towards a done deal.
West One is offering refreshingly vanilla bridging rates from just 0.70% (regulated) and 0.75% (unregulated).
The limited-edition rates are valid only for:
- First charge residential properties
- Loan sizes between £150,000 and £1million
- UK nationals/residents with a clean credit profile
- Properties with no works required (light cosmetic improvements permissible)
Perfect for straight-forward cases and those that just need a bit of an expert eye from a seasoned underwriter.
Don’t let this limited-edition bridging opportunity slip through your fingers. Send us your vanilla bridging case before the opportunity melts away.