About West One Loans
West One Loans was founded in 2002, originally as a small privately funded bridging lender focused on providing fast, flexible short-term finance to property professionals and landlords. The business grew consistently and joined the Enra Group in 2014, which funded an expansion into second charge mortgages and subsequently into buy-to-let mortgages, development finance and residential mortgages. The Enra Group is now backed by Elliott Management, a major US investment firm, which provides the institutional capital depth behind West One's £2 billion in assets under management and approximately £1 billion in annual loan originations.
West One's current positioning is as an integrated lifecycle lender — a single partner that can support borrowers through acquisition (bridging), development, hold (buy-to-let) and refinance (residential mortgages and second charge). That continuity of relationship from first bridge to long-term mortgage is a meaningful proposition for professional property investors who want to deal with one lender's team rather than going back to market at every stage. The head of bridging, Tom Cantor, and MD for residential mortgages and second charges, Marie Grundy, lead their respective divisions with deep market experience.
West One's £30 million maximum bridging loan size gives it reach into the larger end of the market that many non-bank lenders can't match. The 'reason to lend' underwriting approach — actively looking for solutions rather than reasons to decline — is the stated commercial philosophy across the book.
Bridging Loans from West One Loans
West One lends from £75,000 to £30 million on bridging, with terms up to 24 months and LTVs up to 75%. Rates from 0.75% per month. Residential, commercial, semi-commercial and land across England, Wales and mainland Scotland. All applications go through registered intermediaries only.
What Can West One Finance?
- Residential bridging — purchase, auction, chain break
- Commercial and semi-commercial bridging
- Large bridging loans — specialist pricing on £5m+
- Development finance — heavy refurbishment and ground-up
- Development exit and investment refinancing
- Land with planning permission
How to Apply with West One Loans
West One works exclusively through registered intermediaries. Bridging enquiries go to [email protected] or by calling 0333 1234 556. The team is based at The Edward Hyde Building, 38 Clarendon Road, Watford WD17.
Contact
Address:
West One Loan Ltd
The Edward Hyde Building, 38 Clarendon Road, Watford, WD17 1JW
Phone:
0333 1234 556