West One has expanded its extra second charge and residential mortgage ranges, with larger maximum loan sizes, enhanced AVM criteria, and additional credit tiers. For residential mortgages, West One has introduced a new prime credit tier offering lending up to 90% LTV. The lender has also strengthened its second charge proposition through larger maximum loan sizes, more flexible AVM criteria and the introduction of a new near prime extra product for borrowers with a broader range of adverse credit profiles. Maximum second charge loan sizes have increased to £900,000 on selected products, while AVMs are now accepted at lower confidence levels up to 75% LTV. “Larger loan sizes at higher LTVs mean more clients can access our Extra product ranges, while our updated credit criteria recognise that an isolated financial blip shouldn’t define an otherwise strong borrower.”