West One Loans

West One Loans is a bridging finance lender that specialises in providing loans to the residential, commercial and buy-to-let property investment sectors

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Max term

75k - 10m

Min/Max Loan

1st & 2nd


Bridging finance is one of the key tools that’s widely used within the property development sector. The flexibility and capability that comes with a bridging loan are vital to the escalation of development opportunities, and West One Loans specialise in providing high quality bridging loans to meet a number of different requirements.

West One Loans are able to offer financial solutions for both the commercial, private and residential sectors, including regulated bridging loans for owner-occupied properties. This enables their clients to leverage their existing assets to seize new opportunities and break new ground, whilst remaining confident in their finances. Because West One Loans is an experienced lender with a great deal of expertise in real estate finance, they are able to turn loans around quickly to meet the demands of a tight deadline, which is crucial in property development when every hour counts.

The products on offer from West One Loans also include high-value commercial bridging loans which businesses can use to secure new premises, new assets or simply to free up working capital. By producing flexible products that can be adapted to the needs of each individual project, West One Loans are able to satisfy the requirements of each and every customer.

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Contact West One Loans

West One Loans
3rd Floor
Premiere House
Elmstree Way

+44 333 123 4556


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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What is a commercial bridging loan?

Commercial bridging loans are, as their name implies, bridging loans that are secured against commercial property.

How can businesses use a commercial bridging loan?

There are many ways in which businesses can use a commercial bridging loan. Common uses are to cover short-term cashflow issues or to finance tax liabilities. More positively they can be used as working capital and by new businesses as a cashflow injection to acquire additional stock or even to acquire new equipment or premises for the business. Beyond these examples there are a huge variety of ways in which commercial bridging loans can be used.

Can commercial bridging loans be secured against semi-commercial property?

To qualify for a commercial bridging loan the overall use of the property being used as collateral will need to be at least 40% commercial. For example, if the property is a rental unit with a flat above the commercial part of the property would have to represent more than 40% of the total property. Furthermore, most lenders would also insist on a separate entrance to the flat.

Can private landlords use commercial bridging loans?

Yes. They can be a great tool for landlords who want to do renovations on their properties to improve rental yields. The value of the properties will also reflect these property improvements and make it easier for the landlord to refinance them onto competitive Buy-to-Let (BTL) mortgages and clear any bridging. Like residential bridging, commercial loans can also be useful when a property chain is broken.   

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