West One has today announced improved rates across its residential mortgages range of products.
2-year fixed rates now start at 5.54% while 5-year fixed rates now start from as low as 5.64%. All in all, rate reductions of up to 25bps have been made across the range.
Among the improvements on products is a 20bps reduction on 75% LTV products, which replace the specialist lender’s 70% LTV products.
Furthermore, rates on West One’s Right to Buy and Shared Ownership products have also improved, including no deposit options through their 100% LSV product.
On the specialist lender’s Extra range, which offers LTIs up to 6.5x income, rates have been reduced up to 90% LTV, with no changes on the 95% LTV product and a minor rate increase on the 97.5% LTV product.
They have also withdrawn all their Cashback products.
These new changes and rate reductions are effective from today, 12 January 2026, and can be accessed via the West One broker portal, with all rate changes reflected in its latest product guide.
Marie Grundy, Managing Director of Mortgages at West One says, “In the current market, we have identified an opportunity to reduce rates across our residential mortgages range and offer even more value to residential mortgage customers, whether they are purchasing, or remortgaging an existing home.”
“We’re always looking for more ways to provide greater affordability and flexibility for residential customers whose needs are not met by high street lenders. In reducing these rates, we’re widening the opening in the door for many more current and prospective homeowners.”
