West One expands BTL and residential lending into Northern Ireland (29 October 2026)

Created Oct 29, 2026 • AI-generated summary

On 29 October 2026, West One expanded its specialist residential and buy-to-let mortgage lending into Northern Ireland. Residential: up to 90% LTV, LTI up to 5.5x standard, max loan £1.5m, LTI Boost with no LTI cap for households earning over £50,000; core rates from 6.34% (two-year fixed) and 6.23% (five-year fixed), LTI Boost two-year fixes from 5.64%, trackers from 5.6% (BBR + 1.85%). BTL: up to 75% LTV, max £2m, plus bespoke offering for portfolio landlords up to £15m on referral. Quoted: Marie Grundy (MD mortgages) and Paul Huxter. Membership limited to coverage of this specific West One Northern Ireland market entry; other West One developments (e.g. 27 October rate cuts) are distinct stories.