West One Launches Commercial Mortgages to Full Market – New Opportunities for UK Borrowers

West One Expands with Commercial Mortgage Products

West One, an established name among UK mortgage lenders, has expanded its suite of lending solutions to include commercial mortgages—now available to the entire intermediary market. West One commercial mortgages 2025 offer flexible, competitive finance options. Following a successful pilot, all brokers can submit new enquiries and applications for clients seeking to purchase or remortgage commercial and semi-commercial properties. This broad rollout brings new options for investors, businesses, and property owners looking for flexible, competitive finance in the commercial sector.

West One Commercial Mortgage Update: Key Product Details

With the launch of this new commercial mortgage range, West One introduces a selection of products designed to meet diverse borrower needs. Highlights include:

• LTVs up to 75% (based on Vacant Possession Market Value)
• Fixed rates from 6.54% for semi-commercial properties
• Fixed rates from 7.15% for commercial properties
• Loan sizes up to £3,000,000 as standard
• Flexible options, including interest-only (5–10 years) and repayment (5–25 years) terms
• Applicants with minor credit blips considered

These criteria position West One among the more flexible and accessible UK mortgage lenders in the commercial space, particularly for those seeking high loan-to-value or accommodating lender criteria. West One commercial mortgages 2025 are designed to meet both traditional and emerging needs within the UK market.

Criteria and Lending Policy: Who Can Benefit?

West One’s commercial mortgage products stand out for both their flexibility and inclusive approach:

• Self-employed and complex income borrowers welcome
• Foreign nationals, expats, and first-time commercial property buyers considered
• Cases outside standard criteria reviewed on individual merit
• Minor credit issues accepted, broadening options for borrowers who may have struggled elsewhere

This policy update is excellent news for underserved segments, including new property investors, trading businesses, and those with atypical income or credit backgrounds. The West One commercial mortgages 2025 range presents a compelling opportunity for various investor profiles.

Unique Features and Borrower Scenarios

West One has designed its commercial products with borrower needs in mind:

• Fast service: All enquiries responded to within 24 hours
• Dedicated underwriter assigned to each case for personalized service
• Large loan sizes, ideal for established investors or growing businesses
• Flexible structure enables refinancing, acquisitions, or capital raising for business growth, property improvement, or restructuring

Borrowers seeking responsive, individually assessed mortgage solutions for commercial property will especially benefit from West One’s approach.

Why Choose West One for Your Commercial Mortgage?

• Speed: All communication within 24 hours for time-sensitive transactions
• Expertise: Specialist commercial mortgage knowledge and a track record in complex lending
• Inclusive criteria: Willingness to consider non-standard scenarios, complex incomes, and minor adverse credit
• Service: Dedicated case handler throughout the entire process

West One is positioning itself as a flexible lender for both straightforward and more complex commercial mortgage cases, ideal for investors, business owners, and those seeking a practical approach to lending. With West One commercial mortgages 2025, they aim to provide solutions that cater to diverse borrowing needs.

Discuss Your Commercial Mortgage Needs with Our Expert Brokers

West One’s commercial mortgage products add valuable options to the UK marketplace, especially for borrowers in search of flexibility, speed, and expert handling. Whether purchasing your first premises, refinancing for growth, or navigating complex circumstances, our team can help you identify and secure the solution that fits your goals.

Contact us today for tailored, impartial mortgage advice and to discuss your eligibility for West One’s new commercial mortgage products.

Frequently Asked Questions (FAQs)

• Who can apply for West One’s commercial mortgages?
  UK-based individuals, businesses, self-employed applicants, first-time buyers, expats, and those with minor credit issues are all welcome to apply.
• How do the new commercial mortgage rates compare to the market?
  West One offers competitive fixed rates from 6.54% for semi-commercial and from 7.15% for commercial properties, alongside flexible criteria.
• What property types are eligible?
  Both traditional commercial and mixed-use (semi-commercial) properties qualify under West One’s new product range.
• Are interest-only options available?
  Yes, both interest-only (5–10 years) and repayment (5–25 years) options are available.
• How can I find out if I qualify or start an application?
  Contact our expert brokers or submit an enquiry to discuss your case and receive tailored commercial mortgage advice.