Since the 2017 PRA changes the finances of millions of borrowers have been impacted by the pandemic and ensuing lockdowns, meaning some landlords are now struggling to remortgage their existing properties. While most high street lenders will make an automated decision using your credit score, a specialist lender will have more products available for borrowers with a blip in their credit history.

At West One we do not use a credit score, instead our underwriting is based on a credit assessment and each case is assessed individually on its merits.

We are able to accept satisfied or unsatisfied defaults and county court judgements up to £500 across our product range subject to full underwrite.

Why West One?

We lend on a wide variety of property types to a broad range of borrowers, whether borrowing in individual names or through a limited company. Our expert team are committed to delivering cases with speed and flexibility. We apply an individual approach to underwriting to ensure we review each case on its own merits, ensuring we support clients with the smooth and secure remortgage they require.

To discuss a case or register as an introducer please get in touch with the West One team here: https://www.westoneloans.co.uk/buy-to-let-mortgages#introducer