Affordability and Criteria continue to be a key factors in placing a case, as cases continue to be become increasing complex.
West One is a valuable addition to MBT's Residential Lender panel, their personal approach to underwriting and willingness to understand individual circumstances can help you place those more complex cases.
West One are committed to being the go–to lender for specialist residential mortgages with a comprehensive product range including 95% LTV product designed to exclusively to support first time buyers, Shared Ownership up to 100% LTV & Right to Buy. Adopting a ‘reasons to lend’ approach to every case, and actively looking for ways to support borrowers with products and criteria.
What types of cases can West One help you with?
Complex income requirements
Help maximise your client affordability: Up to 100% overtime, bonuses and second job income, employed applicants within probation, flexibility on types of self-employed with trading period starting from 1 year. "LTI Boost" products can offer over 5x income up to 80% LTV
Less than a perfect credit score? No problem..
Product range of Prime, Prime Plus and Near Prime, for borrowers with less than a perfect credit score or who may have experienced some historical or more recent credit issues
Other elements
Other types of cases they will consider include: Borrowers with visas up to maximum LTV of 90%, Loan sizes up to £2.5M by referral up to 65% LTV, qualify for an AVM for loan sizes up to £300,000, plus more
