Who is West One Loans?
West One Loans is a specialist property finance lender established in 2005. The company offers an integrated portfolio of lending solutions designed to support homeowners, landlords, and property professionals through various stages of the property finance lifecycle.
With a reputation for a unique approach to credit and a personalised lending service, West One Loans has become a trusted name in the UK mortgage finance market.
By focusing on bridging loans, development finance, buy-to-let mortgages, second charge mortgages, and residential mortgages, the company ensures that borrowers who may not qualify for high-street loans have access to competitive and flexible financing solutions.
Who are the Directors of West One Loans?
West One Loans is led by a team of experienced professionals, ensuring strategic growth and innovation in the mortgage finance sector.
| Name | Appointment Date | Date of Birth | Role |
| Emily Henrietta Gestetner | 8 August 2014 | April 1967 | Director |
| Stephen Andrew Hogg | 11 October 2019 | February 1982 | Director |
| Mark Preston | 3 April 2023 | February 1960 | Director |
| Danny Stephen Waters | 8 August 2014 | October 1984 | Director |
What Types of Loans Does West One Loans Offer?
Bridging Loans
Bridging loans are short-term, interest-only loans used for quick property purchases, renovations, or refinancing existing loans. These loans provide immediate access to capital, helping borrowers complete transactions without delays.
Regulated Bridging Loans
These loans are designed for borrowers financing their primary residence.
| Feature | Details |
| Maximum Loan-to-Value (LTV) | 70% (1st charge), 65% (2nd charge) |
| Fixed Interest Rate | From 0.85% (1st charge), From 0.95% (2nd charge) |
| Charge Type | 1st/2nd |
| Loan Term | Maximum 12 months |
| Minimum Loan Size | £75,000 |
| Interest Type | Retained |
| Location | England, Scotland (mainland only), Wales |
Additional Criteria:
- Only available for residential properties
- Borrower must provide a clear exit strategy
- Available for applicants aged 18 and above
Purchase Bridging Loans
These loans help borrowers purchase investment properties.
| Feature | Details |
| Maximum Loan-to-Value (LTV) | 75% (1st charge), 65% (2nd charge) |
| Fixed Interest Rate | From 0.85% (1st charge), From 0.95% (2nd charge) |
| Variable Rate | Available |
| Charge Type | 1st/2nd |
| Loan Term | Maximum 24 months |
| Minimum Loan Size | £75,000 |
| Interest Type | Retained / Serviced |
| Location | England, Scotland (mainland only), Wales |
Additional Criteria:
- Suitable for investment properties only
- Proof of funds and deposit required
- Minimum age 18+
Refinance Bridging Loans
These loans are used for short-term cash flow solutions or refinancing existing bridging loans.
| Feature | Details |
| Maximum Loan-to-Value (LTV) | 70% (1st charge), 65% (2nd charge) |
| Fixed Interest Rate | From 0.95% (1st charge), From 1.05% (2nd charge) |
| Variable Rate | Available |
| Charge Type | 1st/2nd |
| Loan Term | Maximum 24 months |
| Minimum Loan Size | £75,000 |
| Interest Type | Retained / Serviced |
| Location | England, Scotland (mainland only), Wales |
Development Finance
West One Loans provides funding solutions for property developers working on residential-led schemes.
| Feature | Details |
| Maximum LTGDV | Up to 65% |
| Maximum LTC | Up to 85% |
| Minimum Loan Size | £1 million |
| Maximum Loan Size | £20 million (higher amounts by referral) |
| Initial Loan-to-Value | Up to 70% |
| Build Cost Funding | 100% covered |
| Eligible Locations | England and Wales |
Developers must have completed at least two successful projects before applying.
Buy-to-Let Mortgages
West One Loans offers specialist buy-to-let mortgages tailored for portfolio landlords, first-time landlords, and professional investors.
| Feature | Details |
| Portfolio Lending | Up to £10.5m per borrower |
| Max LTV | 80% (up to £1.5m), 65% (up to £3m) |
| Property Types | HMOs, MUFBs, Holiday Lets, Ex-Local Authority |
| Tenant Types | DSS tenants, students, corporate lets |
| First-Time Landlords | Accepted |
Applications are not credit scored and are assessed on individual merits.
Second Charge Mortgages
Second charge mortgages allow borrowers to access additional funding secured against their existing property.
- Residential Second Charge Mortgages – For homeowners needing additional capital.
- Buy-to-Let Second Charge Mortgages – For property investors looking to release equity.
These mortgages are exclusively available through Master Broker partners.
For new applications, contact: brokersupport@westoneloans.co.uk
Residential Mortgages
These mortgages are designed for borrowers who struggle to secure a high-street mortgage due to credit history or affordability factors.
| Feature | Details |
| Max LTV | 95% (for first-time buyers) |
| Max Term | 40 years |
| Minimum Loan Size | £25,000 |
| Maximum Loan Size | £1.5 million |
| Income Types Accepted | Employed, self-employed, contractors, retired applicants |
| Affordability Considerations | LTI over 5 times income available |
Applicants must be at least 21 years old, with the loan term ending by age 85.
How Can You Contact West One Loans?
West One Loans provides multiple channels for customers, brokers, and business partners to get in touch. Whether you are looking for financing options, need support with an existing loan, or want to discuss partnership opportunities, the company ensures accessibility through phone, email, and in-person visits.
Contact Details:
- Registered Office Address: Third Floor, The Edward Hyde Building, 38 Clarendon Road,
Watford, United Kingdom, WD17 1JW - Phone Number: 0333 123 4556
- Email Support: brokersupport@westoneloans.co.uk
- Website:westoneloans.co.uk
What is the Legal & Financial Information for West One Loans?
As a fully registered private limited company, West One Loans operates within the regulatory framework set by UK financial authorities. The company adheres to strict compliance standards, ensuring transparency and security for all borrowers.
Company Registration Details
| Legal Information | Details |
| Company Name | West One Loan Limited |
| Company Number | 05385677 |
| Company Type | Private Limited Company |
| Incorporation Date | 8 March 2005 |
| Nature of Business (SIC Code) | 64922 – Activities of mortgage finance companies |
| Company Status | Active |
| Registered Office | Third Floor, The Edward Hyde Building, 38 Clarendon Road, Watford, United Kingdom, WD17 1JW |
Financial Reporting and Compliance
- Next Accounts Due: 30 September 2025 (covering the financial year up to 31 December 2024)
- Last Accounts Filed: 31 December 2023
- Confirmation Statement Due: 12 May 2025
- Last Confirmation Statement Filed: 28 April 2024
West One Loans maintains full compliance with UK Companies House regulations, ensuring accurate financial reporting and transparency in its operations.
Why Choose West One Loans?
West One Loans stands out in the UK specialist lending market due to its commitment to flexible financing solutions, customer-focused service, and a deep understanding of property finance. Here are key reasons why borrowers and investors choose West One Loans over traditional lenders:
- Comprehensive Lending Solutions: Covering bridging, buy-to-let, development, and residential mortgages
- Flexible Criteria: No credit scoring, individual case assessment
- Fast Processing: In-house legal support for efficient transactions
- Specialist Expertise: Led by a team of experienced directors
- Strong Market Reputation: Trusted by property investors, landlords, and brokers
