Stepping into 2026, we are delighted to launch market leading pricing for second charge BTL mortgages alongside pricing changes throughout the range including pricing reductions of up to 40bps to our second charge residential product with effect from 4pm on 27th January 2026.
KEY HIGHLIGHTS
Residential Second Charge Product Refresh
- Up to 40bps reduction on Extra Range of LTV 75% – 92.5%
- 15bps reduction on Core Range for 80% & 85% LTV products
- Improved rates for Near Prime customers offering a 15bps reduction
Buy-to-Let Second Charge Product Refresh
- Market leading rates with 2 & 5 yr fixed rates starting from 6.69% for EPC ratings A-E
- Increased maximum loan size of £250,000 up to 65% LTV
- Up to 30bps reduction throughout the range
Additional product changes
- Extra Range:
- 95% LTV – rates increased between 8-25bps
- 97.5% LTV products increased by up to 40bps
- Green Buy-to-Let Second Charge products withdrawn
The existing product range will be withdrawn at 4pm on 27th January. We can continue to accept applications and honour pipeline cases where a valid ESIS has been produced and the mortgage offer is issued by Friday 6th March 2026.
Our latest product guide detailing all of these changes is available here:
Please contact our broker support team or dedicated relationship manager if you would like to discuss any new business enquiries:
E:brokersupport@westoneloans.
T: 0333 1234 556