West One has reduced rates across its residential mortgage range, with cuts of up to 25 basis points now in effect.

The specialist lender said 2-year fixed rates now start from 5.54%, while 5-year fixed rates are available from as low as 5.64%. The changes apply across the residential range, with overall reductions of up to 25 basis points.

Marie Grundy, managing director of mortgages at West One, said: “In the current market, we have identified an opportunity to reduce rates across our residential mortgages range and offer even more value to residential mortgage customers, whether they are purchasing, or remortgaging an existing home.”

“We’re always looking for more ways to provide greater affordability and flexibility for residential customers whose needs are not met by high street lenders. In reducing these rates, we’re widening the opening in the door for many more current and prospective homeowners.”

PRODUCT REVISIONS

Among the revisions is a 20 basis point cut on 75% LTV products, which now replace the lender’s previous 70% LTV options. West One said the move is designed to improve pricing at a key loan-to-value tier.

Rates have also been improved on the lender’s Right to Buy and Shared Ownership mortgages, including options with no deposit through its 100% LSV product.

Within West One’s Extra range, which allows loan-to-income multiples of up to 6.5 times, rates have been reduced on products up to 90% LTV. Pricing at 95% LTV remains unchanged, while there has been a small increase on the 97.5% LTV product.

At the same time, the lender has withdrawn all cashback products from its residential range.

The revised rates and product changes are effective from today, 12 January 2026, and are available through the West One broker portal. All updates are reflected in the lender’s latest product guide.