West One Loans is part of Enra Specialist Finance and is authorised and regulated by the Financial Conduct Authority, specialising in complex property-backed lending across the UK.
What you need to know about this loan
The West One Residential Bridging Loan is a secured loan designed for borrowers who need short-term mortgage loan funding quickly. It is commonly used for property purchases, refinancing or refurbishment where speed is critical.
- Loan Amounts Offered: From £75,000 (maximum based on LTV and property value)
- Loan Terms (monthly): 1 to 12 months
- Payment methods: Retained interest, repaid at the end of the term
- Interest rate: From 0.75% per month (1st charge) From 0.95% per month (2nd charge)
Pros
- Fast access to funding: Ideal for buyers needing to get a loan today for urgent property deals.
- Secured loan structure: Competitive rates backed by residential property.
- Flexible use: Suitable for purchase or refinance of residential properties.
- High LTV options: Up to 75% LTV on first charge loans.
- Short term loan solution: Designed specifically for temporary finance needs.
Cons
- Property required as security: This is not an unsecured personal loan.
- Short repayment window: Maximum loan term is 12 months.
Is West One a good bank for loans?
Compared to Shawbrook bridging loans, West One offers higher LTV options on first charge lending.
Against Aldermore bridging finance, West One stands out with lower starting monthly interest rates.
When compared to Paragon bridging loans, West One provides clearer retained interest structures.
Unlike HSBC mortgage loans, West One focuses on specialist short-term secured lending.
Compared with Santander home equity loan products, West One delivers faster completion for urgent cases.
How to Apply for Your West One Bridging Loan
If you need to apply for a secured loan quickly to complete a property transaction, West One works through intermediaries to deliver speed and certainty. Submit an enquiry and start your loan application today.
Click below to apply for a loan and explore your bridging finance options.