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West One Loans Review

West One Loans is a UK specialist bridging and buy-to-let lender founded in 2007 and headquartered in London. The company provides first and second charge bridging loans, regulated and unregulated bridging, development finance, and specialist buy-to-let mortgages. West One is part of Enra Specialist Finance and is backed by specialist funding lines that allow it to lend on complex cases that mainstream lenders decline. The company is well respected in the intermediary market for its fast underwriting, willingness to consider second charge bridging, and ability to handle complex title and ownership structures.

Written by the Lendus editorial team. Last updated: April 2026.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Amount

£50k – £20M

Rates

0.55% – 1.3%

per month (bridging); BTL mortgages from 5.8% per annum

Speed

Credit decision within 24 hours; completion typically 2–3 weeks

Trustpilot

4.5/5

450 reviews

What is West One Loans?

West One Loans (West One Secured Loans Limited) is a UK-based business finance provider founded in 2007 and headquartered in London. West One Loans is a UK specialist bridging and buy-to-let lender founded in 2007 and headquartered in London. The company provides first and second charge bridging loans, regulated and unregulated bridging, development finance, and specialist buy-to-let mortgages. West One is part of Enra Specialist Finance and is backed by specialist funding lines that allow it to lend on complex cases that mainstream lenders decline. The company is well respected in the intermediary market for its fast underwriting, willingness to consider second charge bridging, and ability to handle complex title and ownership structures. They have lent £3 billion+ to date, helping 15,000+ UK businesses.

Founded 2007 London West One Secured Loans Limited is authorised and regulated by the Financial Conduct Authority. FCA reference number 510867. Regulated bridging products are subject to FCA consumer credit and mortgage regulation.

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Products offered

Bridging Loans Commercial Mortgages

Rates and costs

Rate range
0.55% – 1.3% (per month (bridging); BTL mortgages from 5.8% per annum)
Representative APR
11.2% APR representative (bridging)
Amount range
£50,000 – £20,000,000
Approval speed
Credit decision within 24 hours; completion typically 2–3 weeks

Representative example

Borrow £400,000 over 12 months. Total repayable: £456,000. Cost of credit: £56,000. Your rate depends on your circumstances.

Eligibility requirements

Minimum trading history
None required for property-backed bridging
Minimum turnover
None — lending is property and asset backed
Credit requirements
Adverse credit considered on a case-by-case basis for bridging products. Second charge bridging available. Regulated bridging (residential) subject to FCA consumer credit rules. Exit strategy and property quality are the primary underwriting factors.

How to apply

1

Check eligibility through Lendus — answer a few questions about your business and funding needs (2 minutes)

2

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3

Review your matched options — see rates, terms, and eligibility from multiple providers including West One Loans

4

Choose the best offer and complete the application with your matched lender directly

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Pros and cons

Pros

  • Second charge bridging available — can lend behind an existing mortgage
  • Regulated and unregulated bridging — covers both residential and commercial use cases
  • Strong intermediary relationships — widely available through brokers across the UK
  • Fast 24-hour credit decisions on straightforward cases
  • Part of Enra Group — stable funding lines and specialist expertise

Cons

  • Primarily an intermediary-only lender — best accessed through a broker
  • Less well known to direct borrowers than some competitors
  • Arrangement fees and legal costs apply as standard on all bridging products
  • Development finance is more limited compared to dedicated development lenders

Is West One Loans right for you?

Best for

Property investors and businesses needing fast first or second charge bridging finance, regulated bridging on residential assets, or specialist buy-to-let mortgages for complex ownership structures

Not ideal for

Borrowers seeking unsecured business finance, those without property security, or very large development finance projects requiring £20 million+

West One Loans alternatives

If West One Loans isn't the right fit, consider these alternatives:

Together Shawbrook Bank LendInvest Precise Mortgages

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Frequently asked questions about West One Loans

Is West One Loans legit?
Yes, West One Secured Loans Limited is a legitimate, FCA-authorised specialist lender (FCA reference 510867) founded in 2007 and part of Enra Specialist Finance. The company has funded over £3 billion in property transactions and is a well-regarded name in the UK specialist lending intermediary market. You can verify their FCA registration at register.fca.org.uk.
What are West One bridging loan rates?
West One bridging loan rates typically start from around 0.55% per month for low-LTV, first charge cases with clean credit and a clear exit strategy. Rates can reach 1.3% per month for more complex or higher-LTV transactions, particularly second charge or adverse credit cases. Arrangement fees of 1.5% to 2% typically apply. All rates are individually assessed — the exact rate depends on the property, borrower profile, and loan structure.
Can I get a West One bridging loan with bad credit?
West One considers adverse credit on property-backed bridging products, particularly where the LTV is moderate and there is a clear, credible exit strategy. Second charge bridging products may be available where a first charge lender is in place and equity exists. Regulated bridging on a primary residence is subject to stricter affordability and credit rules under FCA mortgage regulation. More severe adverse credit may require a specialist adverse credit bridging lender.
How much can I borrow from West One Loans?
West One provides bridging loans from £50,000 to £20 million, covering first and second charge positions. Loan-to-value ratios on first charge bridging typically run up to 75% of the gross development value or open market value. Second charge bridging is available up to a combined LTV of around 70%. Buy-to-let mortgages are sized against the property's rental income coverage and open market value.
Is West One Loans FCA regulated?
Yes, West One Secured Loans Limited is authorised and regulated by the Financial Conduct Authority under FCA reference number 510867. Regulated bridging loans (secured on a borrower's primary residence) are subject to full FCA mortgage regulation. Commercial and investment bridging products operate under FCA oversight for conduct. You can verify West One's regulatory status at register.fca.org.uk.
How long does West One take to approve a bridging loan?
West One can typically provide a credit decision within 24 hours of receiving a complete enquiry with full property and borrower details. Legal completion on a straightforward bridging transaction typically takes 2 to 3 weeks from credit approval, depending on solicitor speed and valuation turnaround. West One's specialist team is experienced at accelerating completion timelines where urgency is demonstrated.
Can I repay a West One bridging loan early?
West One bridging loans typically include a minimum interest period of between 1 and 3 months, after which early repayment is generally permitted without penalty. Exit fees may apply on some products. As bridging loans are short-term instruments designed to be repaid upon sale or refinance, West One actively expects and plans for early repayment. Always confirm the minimum interest period and any exit fee with your broker before drawdown.
West One vs Together Money — which is better for bridging finance?
West One and Together Money are both specialist bridging lenders but with different operational models. West One is primarily an intermediary-only lender with strong relationships across the broker community, and is particularly known for second charge bridging. Together Money accepts more severe adverse credit profiles and has a longer track record with a wider range of property types. For regulated bridging or second charge transactions, West One often provides more competitive terms. For very adverse credit or unusual property types, Together may be more flexible. Both should be considered when comparing bridging options through Lendus.

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