I cannot speak highly enough of Ayub Nunow!!! I truly believe if it wasn’t for him I would not be sat in my new house writing this review right now. I was on verge of losing the house due to the mortgage offer getting very close to expiring, this was due to delays and problems from my own solicitor. I then managed to speak to Ayub. He was the most genuine person, informative, supportive and I genuinely cannot thank him enough to really push everyone and get everything completed in time!

My flat completed (new build) earlier in April. My solicitor and broker have been chasing west one and also their solicitors and are never getting a reply! Struggling with constant new information needed which slows down the process massively as well as delayed replies. I started this process 5 months ago, and now I’ve received a final notice to complete in a weeks time! The lenders solicitor and themselves haven’t been getting back to enquiries and now I’m potentially going to be losing £140k which is my entire life savings. Still chasing so will update on what happens but it’s such a stressful time especially being a first time buyer and I am so concerned my deadline won’t be reached and my deposit forfeited because of the delayed responses.

Con artists - This Company Needs To Be Investigated For Fraud.

Me and My Wife got a mortgage in principle through our broker who had put us in touch with West One (Worst One More Like) we went through the process paid the fee to then have to start again due to various issues with their criteria so we started again jumped through hoops answered all their questions paid off all our debts paid the fee again only to be told that they ran a final credit check and based on that they refused us the mortgage the only problem is they have only ever run a credit check on my wife. THEY HAVE NEVER RUN A SINGLE CREDIT CHECK ON ME SO THEIR REASONING IS BS - IF YOUR MORTGAGE BROKER SUGGESTS THIS COMPANY THEN FIND A NEW MORTGAGE BROKER- AVOID WEST ONE LIKE THE PLAGUE

Worst company ever
2 applications @ £199 and declined
Got mortgages in principle through mortgage broker and wanted more and more information.
Said declined second time due to credit files accounts never looked and my husbands credit file. WE HAVE PROOF IT NOT IN HIS CHECK MY FILE SEARCH
They did search mine though
Avoid avoid avoid
First declined from having housing benefits on my income
We took that off.
So made £ I made it £400. It’s. £398 easy money

Was referred to West One by my mortgage broker initially. I don’t think they ever intended to give us a mortgage from the get go. Long turnarounds, unhelpful and constantly moving the goalposts to make life harder. The clincher was that they even have the audacity to request all the fees up front! Went with another lender in the end and had no problems getting accepted, luckily my broker was able to get our money back. Would avoid unless you like disappointment.

Although west one themselves have sorted my daughters mortgage offer very quickly, they then appointed their own solicitor to deal. This means there are now 3 solicitors involved and the solicitors are awful!! Constantly chasing and when they ask for information my daughter’s solicitor sends it straight away but then they don’t look at it for over 2 weeks!! My daughter has contracts signed and is ready to exchange and complete but today we hear that after receiving title deeds 2 weeks ago there are more queries!! They are buying a house with no chain and they have no chain and contracts have been signed since 25th February!! This is causing extreme stress to my daughter who recently lost her dad unexpectedly aged 54 and the property they are buying is due to be repossessed next week if a completion isn’t done by Friday 21st March!! I feel that this solicitors are giving west one a bad reputation!! The lenders solicitor is never at work or in an exam or just refuses to speak to anyone including my daughters solicitor!! Awful service that really needs sorting urgently!! My daughter needs to complete by Friday 21st March or she will lose the house and will also become homeless as she needs to be out of where she is staying by Friday also. Despite mortgage broker chasing, west one themselves chasing. Estate agents chasing, sellers solicitors chasing and buyers solicitors chasing this doesn’t seem to push things forward!! Absolutely disgusting service which is causing extreme stress to everyone involved

Timewasters. Started our application 5 months ago, and they just keep asking more and more questions, many of which are intrusive and unnecessary. The goalposts are constantly moved and finally today after 5 months of messing us about, we find out that they are not giving us the loan. It seems that the only decent reviews they have are from brokers rather than borrowers!

I found that during a period of stress and a significantly problematic divorce, West One - especially Dan, was both patient, understanding, clear, empathetic, professional and proactively helping me along a route to clear my Bridging Loan with a Remortgage. I could not have asked for a better outcome or process which he kept an eye on every day due to the ramifications for me if I did not receive the remortgage. I am truly grateful for his help and assistance as well as the assistance of Leisha and Nicky in the underwriting team, who worked together to ensure we met the deadline date to complete the new loan. I was told how everything was progressing and I knew that I could call Dan if I needed him. I was truly blessed to have had Dan and his team working with me and would thoroughly recommend and happily deal with Dan and West One again.

Jonathan, Jack and Rick helped me get registered very quickly so I could submit a case.

The product guide is very clear and easy to follow.

the experience was good and easy

Appalling. Rejected mortgage application because they thought under 4 acres can be used to farm for crops due to partners occupation as an agricultural worker. You would be lucky if you got a couple of bales of hay off it, let alone get a plough or drill on it! Use was to graze horses that are pets, residential.
Clearly discriminating against people that work in the agricultural industry and making assumptions. Get clued up on farming. Bad show.

*Update following your response*
You where presented with the copy
brochure for the property and the details prior to the mortgage in principle which was given, hence why a full mortgage application was undertaken.

You state it is not that, so what criteria has changed since the beginning of the process because nothing has changed our end.

Again, you are glossing over the fact that you rejected the mortgage based on the occupation of one of the applicants.

I will be emailing because I want the information and your reply to the broker to send to the ombudsman.

Honestly the most frustrating company ever! AVOID at all costs!!
4-5months ago we made an application through a broker for a bridging loan (for less than 10% of our property value). From this time we have been asked to jump through hoops; being asked question after question; to having to pay for an accountant to provide trajectories; to filtered bank statements (even though they’ve had full bank statements); to pictures of each room I my house; to all the above again as these things are now months out of date etc etc!! At this point they may as well ask for my DNA!!
And now (4-5months down the line) they say that I would need to borrow more money from them to be within my affordability (this after only weeks before telling me I couldn’t borrow as much as needed due to the same matter) work that one out???
Honestly this has been the most stressful 4-5months, with goals constantly changing and still no clarity or answers!! I am looking elsewhere!!

incorrect information given on 2 occassions by telephone BDM's leading to my client obtaining their agreement with you elsewhere through another broker. Loss of business and bad service to a client introduced to us by a very important introducer of ours. Not impressed.

I did not have to approach West One for registration, they arranged my registration after receiving notification from the network provider, I only had to generate a password and was able to login straightaway.

I have had a slight hiccup which may not be West Ones fault and is being investigated. I raised a complaint but Nicky the completions manager has been wonderful in reaching out to me, being very proactive and being understanding and empathetic with the situation. I am so happy with how quickly they have turned this around and will change my review to 5 stars once this has fully resolved. I feel I’m in safe hands now. Thank you Nicky!

Ayub and the team proactively made sure the case completed despite some delays from others in the chain.

Thanks again to the team. Ayub this time but I've worked with several of the underwriters and completion team members. We're always going forward which is a massive achievement in specialist lending. I'm coming back for more.

Leah Chiakli and Ayub Nunow supported the latest 1st charge mortgage application I put across to West One and I could not have asked for a better service. The application was kept up to date, communication to myself and the clients was always quick and even through legal process we were still very much involved with help from West One. Very highly recommended!

Amazing service, very straight forward to deal with, true definition of a lender that looks at cases on a case by case basis as opposed to having a blank slate for everyone. All superstars and treat every applicant fairly. One thing i did admire too is that you can make the application fee first which is £195 then work on tackling all enquirers first and once they are satisfied then submit the payment for the valuation which is very different from a lot of lenders who charge you for both application fee and valuation upfront which can be costly in the event that you are unsuccessful.

Couldn't recommend them enough tbh and i will be back again very soon that's for sure!

Worked with West One and Gary on a regular basis. The service from the team is always brilliant, and find Gary is someone that always goes above and beyond. Highly recommend West One.