Business Details
24 Years
experience
Trusted Specialist Mortgage Brokers in Watford
Established in 2002, West One Loans has built a reputation as a leading specialist mortgage lender in the UK. Our journey began with a focus on bridging finance, evolving to offer a comprehensive portfolio including development finance, commercial mortgages, and residential solutions. We prioritise agility and personal service, combining advanced technology with tailored underwriting to meet unique client needs. With over 2 billion in assets under management, we support property professionals, landlords, and homeowners through every stage of their property finance lifecycle.Our commitment to innovation and partnership ensures clients receive fast, flexible solutions when timing is critical. Backed by the Enra Specialist Finance Group, we maintain a strong focus on regulatory compliance and ethical lending practices. Our team of experts works closely with intermediaries and borrowers, delivering certainty of finance and access to decision-makers. Recognised for our integrated product range and unique approach to credit risk, we continue to expand our services while upholding the values that have driven our success since inception.
Services
Bridging Loans
Development Finance
Commercial Mortgages
Buy-to-Let Mortgages
Residential Mortgages
Second Charge Mortgages
Details
- Year established: 2002
Highlights and features
- We have over 20 years of experience in specialist property finance.
- Our integrated product portfolio supports the entire property finance lifecycle.
- We offer a personal approach, treating every case individually.
- We combine advanced technology with fast approval processes.
- We are members of leading industry regulatory and professional bodies.
Associations and certifications
- National Association of Commercial Finance Brokers
- Intermediary Mortgage Lenders Association
- Society of Mortgage Professionals
Services
Bridging Loans
Fast, flexible bridging loans for urgent property transactions. Ideal for auction purchases, legal obligations, or time-sensitive deals. Our streamlined process enables completions in as little as 6 days, with competitive rates starting at 1.05% monthly. Tailored solutions for both regulated and non-regulated scenarios.
Development Finance
Specialist financing for ground-up developments and major refurbishments. We support schemes up to 18M with rates starting at 6.25%. Our expertise covers residential, commercial, and mixed-use projects, with rapid decision-making and flexible terms to match complex development timelines.
Buy-to-Let Mortgages
Competitive buy-to-let mortgages for property investors. We offer loan-to-value ratios up to 75% with rates from 6.05%. Designed for both experienced landlords and portfolio investors, featuring flexible criteria and streamlined applications for single or multi-unit acquisitions.
Residential Mortgages
Residential mortgage solutions for first-time buyers, home movers, and remortgagers. Rates start at 5.84% with LTVs up to 72%. Our products cater to standard and complex cases, including debt consolidation and non-standard property types.
Commercial Mortgages
Tailored commercial mortgages for business premises and investment properties. We provide financing for purchase, refinance, or development of commercial assets. Competitive terms with dedicated underwriting support for both owner-occupiers and property investors.
Questions
What types of mortgages 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 finance needs.
How quickly can West One process a loan application?
Our fastest completions occur within 6 days, with standard processing times varying by product complexity and required due diligence.
Do you lend to first-time property investors?
Yes, we offer residential mortgages for first-time buyers and commercial products for new investors, with tailored underwriting criteria.
Are your mortgage rates competitive?
We maintain competitive rates across our product range, with bridging loans starting at 1.05% monthly and development finance from 6.25%.
What areas do you operate in?
We provide nationwide coverage across the UK, supporting property transactions in both urban and rural locations.
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