023 8045 6999

023 8045 6999

West One

About Us

Documents
Proc Fees
Product Gross Fee paid by lender Net fee paid to regulated broker Net Fee paid to non-regulated & client referral service
Residential – Fixed Rates 0.75% 0.375% 0.19%
Buy to Let (1st charge) 0.90% 0.50% 0.25%
Buy to Let (1st charge Limited Edition) 0.75% 0.40% 0.20%
Bridging 1.50% 1.00% 0.50%
Secured Loan 2.00% 100% proc fee 0.50%

Buy to Let

Criteria highlights include:

  • Lending available up to £15,000,000 – 75% LTV to £10,000,000, 70% LTV £10,000,000 to £15,000,000
  • Maximum lending on single asset– £2,000,000
  • Minimum portfolio submission amount– £1,500,000
  • Block exposure considered up to 100% of block– block discount may apply
  • Background portfolioassessed at 100% rental coverage
  • Generous ICR calculations– 125% basic rate & Limited company borrowers, 135% HMO/MUB properties, 140% higher and additional rate tax borrowers
  • ICR stressat payrate on 5-year fixed, 5% for lifetime tracker
  • Acceptable property and borrower types for portfolio products– Houses, leasehold flats and maisonettes including new build properties through limited company, SPV or personal names. Includes HMO, MUFB, above or next to commercial and holiday lets. Expats considered on referral.
  • Complex SPV structuresconsidered
  • Streamlined processing available– for portfolio over 5 applications our portfolio team will assist with initial submission
  • Portfolio application and legal fees– can be reviewed on case-by-case basis
 

Our extensive range of bridging loans have been developed to provide finance for a wide range of borrower needs. As a leading bridging finance provider since 2007, the West One team have an industry reputation for providing a personalised approach to lending resulting in an extensive portfolio of bridging loans. Our highly experienced underwriting team provide the speed and flexibility needed to help get your clients’ projects safely over the line when the timing is critical.

Our loans are available as first or second charge and have no early repayment charges.

Bridging

Key Offerings:

  • Fast completions, funds available in as little as 48 hours
  • Residential, commercial and land with planning all acceptable – England/Wales/Scotland
  • Regulated and Unregulated Loans
  • Max LTV of 75% on a 1st charge and 65% on a 2nd Charge
  • Rates from 0.6%
  • Loans from £75k – £20m+
  • No upfront fees & no ERCs
  • 2% arrangement fees
  • Min term 1 month (interest charged)
  • Max term 18 months
 
  • Need help? Call our team now on 023 8045 6999
For Intermediaries Only
Complete FS Limited is Registered in England & Wales with Company No. 8163434. Registered Office at Fleming Court, Leigh Road, Eastleigh, Hants, SO50 9PD.

Complete FS Limited is authorised and regulated by the Financial Conduct Authority FCA Register Number: 738129 Please note we are a Packager and Broker, not a lender. Complete FS Limited may receive commissions that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

The FCA does not regulate most Buy to Let mortgages.

Loan Types

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