West One Loans’ residential and buy-to-let products have been added to Quilter’s mortgage panel as part of a new distribution agreement between the firms.  

The move means the network’s appointed representative firms can now offer the lender’s full range of specialist deals to their clients.   

West One says its residential mortgages, which launched in 2022, are aimed at first-time buyers, home movers and remortgage borrowers “who struggle to qualify for a mortgage with high street lenders”.  

Its four-tier residential range starts at 5.87% and caters for the self-employed, older borrowers, those with a less-than-perfect credit score and those with complex income requirements.  

The lender’s BTL range starts at 3.09% and caters for a wide range of borrowers, including first-time landlords, those with impaired credit and portfolio landlords wanting to borrow up to £10.5m.  

It also offers loans for houses in multiple occupation, multi-unit freehold blocks, holiday let, ex-local authority, let-to-buy and ex-pat borrowers.  

The firm assesses each case on its merits and does not credit score applicants.  

West One Loans managing director of residential mortgages and second charge at specialist lender Marie Grundy says: “While we are relatively new to residential mortgages, we have big ambitions to really make a mark in this area of the market.   

“Part of that is ensuring our products are available to as many quality brokers as possible.”  

West One Loans managing director of BTL Andrew Ferguson adds: “The BTL market is getting more professional by the day, meaning there is increasing demand for specialist finance solutions.  

“That trend is here to stay — brokers, therefore, need a range of specialist options to be able to offer their clients.”  

Quilter proposition and distribution director Charlotte Nixon points out: “We strive to offer our mortgage advisers a significant breadth of choice to suit all customer needs and our partnership with West One furthers this.”