Background:
At Fiducia Commercial Network, we work with lenders who understand that every client’s financial situation is unique. West One’s ability to combine flexibility with efficiency makes them a strong choice for borrowers who need tailored solutions — particularly where recent credit challenges or complex circumstances might otherwise stand in the way.
The following case study demonstrates how West One’s pragmatic underwriting approach and streamlined processes enabled a debt consolidation remortgage to complete in just eight days. It showcases how a fast, flexible response can help clients regain financial stability and move forward with confidence.
The lender:
West One
West One is a leading provider of specialist property finance, offering a comprehensive range of solutions, including Bridging loans, Buy-to-Let mortgages, Development finance, and First and Second-charge mortgages.
With a strong reputation for flexibility, speed, and a customer-first approach, West One caters to property investors, developers, and homeowners seeking tailored funding options.
Our expert team works closely with brokers and clients to deliver bespoke solutions, even for complex cases that traditional lenders may overlook. West One combines deep industry expertise with a commitment to innovation, helping clients achieve their property goals.With a strong track record and a focus on building long-term relationships, West One is a trusted name in the specialist finance market.
£31k Unencumbered debt-con remortgage completed in just 8 days
Loan Amount £30,935 | Time to Completion 8 days | LTV 25% | Loan Term 12 years
A single, employed individual with over five years in a stable role was referred to West One by their intermediary for residential remortgage. The client owned their home outright; they had built up several unsecured debts and was beginning to find repayments difficult to manage.
The chosen structure for the purchase was an SPV limited company, with the applicant as the majority shareholder and their parents each holding a 10% share. Despite having permanent residency, the doctor was not a UK citizen. This, combined with their first-time buyer status and the unique ownership structure, added layers of complexity to the mortgage process. Many lenders would likely hesitate at the combination of holiday let usage, non-UK citizenship and no landlord history.
The Situation
The client had recently experienced financial difficulties, with an unsatisfied CCJ registered nine months earlier and a new default recorded just 16 days before the application. Multiple unsecured arrears had built up over the past year, creating affordability pressures and damaging their credit profile. They needed to consolidate debts quickly and raise additional funds to make essential home improvements, preventing further reliance on credit cards.
The Solution
West One reviewed the case and took a practical approach despite the recent adverse credit. By assessing the client’s overall stability and ability to maintain future payments, a debt consolidation remortgage was approved at a rate of 7.94%.
- The £30,935 loan, at just 25% LTV, enabled the client to clear around £10,000 of unsecured debt and release a further £20,000 for home improvements.
- The case benefited from an AVM valuation and Fast Track legal service, allowing swift underwriting.
- The loan moved from underwriting to offer within six calendar days and fully completed in only eight days.
The Benefit
This remortgage reduced the client’s monthly outgoings by over £200, simplifying their finances into a single, manageable repayment. With all unsecured debts settled, the client was able to focus on improving their property without needing to rely on further unsecured borrowing.
The Result
By acting quickly and taking a flexible approach to recent credit issues, West One delivered a seamless refinance that restored financial stability for the client. The case highlights how our specialist residential mortgage products can support borrowers with fresh adverse credit who still have strong underlying affordability and motivation to get back on track.
