Championing Buy to Let: supporting your Limited Company Landlords with The Mortgage Works

In today’s evolving buy to let landscape, intermediaries are more vital than ever. With landlords facing regulatory shifts, tax changes, and rising operational costs, the need for specialist support is growing - especially for those operating through Limited Company structures. That’s where The Mortgage Works comes in.

We have built our proposition around the needs of intermediaries and their landlord clients. With a dedicated Limited Company product range, flexible criteria, and a commitment to championing the sector, The Mortgage Works is helping intermediaries deliver confident, informed advice in a complex market.

Why Limited Company Buy to Let matters

The Mortgage Works has been supporting Limited Company landlords since 2018 and is proud to be the most recommended lender for Limited Company buy to let amongst intermediaries, for five consecutive years (BVA BDRC research August 2025). This recognition reflects not just product strength, but a deep understanding of intermediary needs.

Tailored products and features for specialist clients

Our Limited Company range is designed for first time, experienced, and portfolio landlords. Key features include:

• Applications for purchase of a director’s main residence considered.
• 125% Interest Cover Ratio (ICR) for standard Buy to Let.
• Free standard valuation and free standard legals on selected products.
• 2 and 5 year fixed rate and 2 year tracker products.
• Products available up to 80% LTV.
• Intercompany loans accepted as a source of deposit.
• £750 cashback on 5 year fixed rate remortgages up to 75% LTV.
• 175% Interest Cover Ratio (ICR) applies to all HMO applications, regardless of tax status.
• £1,495 and £0 fee options in our Limited Company HMO product range.
  

These features are designed to give intermediaries flexibility when structuring deals, especially for clients with complex financial arrangements or growth ambitions.

Eligibility made clear

To qualify, the Limited Company must be an SPV set up solely for buying, letting, and selling property. The company must be registered in England, Wales, or Scotland, and match Companies House records.

We accept:

• Up to two directors or shareholders.
• Applications where one applicant is a shareholder owning at least 20%
• Directors who are also shareholders with at least 1% shareholding.

A business bank account must be in place before application, and newly created companies should wait three working days before applying.

Built around Intermediaries

Our proposition is built with intermediaries in mind. From pre-application support to post-offer servicing, every touchpoint is designed to make your job easier.

• TMW Online offers case tracking, document uploads, and application management.
• Broker Chat connects you instantly with expert advisers.
• Maximum borrowing calculator helps assess affordability quickly.
• Product finder filters deals based on client needs.
  
  
With a UK wide network of Business Development Managers and a dedicated Broker Support team, you’re never far from expert help.

Championing Buy to Let

As a long-standing specialist in the buy to let market, The Mortgage Works is actively engaged in shaping the future of the sector. With over 700 team members supporting more than 300,000 landlords, the scale and focus of the business gives it the weight to influence government policy and advocate for landlord interests.

Recent lobbying efforts have focused on energy efficiency reforms, calling for clearer guidance and support for landlords navigating new standards.

Insight driven

To support your conversations with clients, we publish quarterly Landlord Trends Reports, offering insights into rental income, landlord confidence, portfolio dynamics, and regional market shifts. These reports are designed to help you deliver timely, data-backed advice and stay ahead of market developments.

In addition, our Private Rented Sector Reports explore broader themes shaping the market - from energy efficiency and tenant demand to landlord sentiment and future outlook.

These reports are designed to help you understand the bigger picture and support your clients with informed guidance.

Scalable support for portfolio growth

Whether your client owns one property or twenty, our proposition scales with them. There’s no limit to the number of properties a client can hold with The Mortgage Works, and borrowing is supported up to £7.5 million. For landlords with 11+ properties, additional documentation may be required, but the process is guided and supported throughout.

Conclusion: a trusted partner for specialist lending

In a market where complexity is the norm, intermediaries need lenders who understand the nuances of buy to let and who are committed to supporting intermediaries as true partners. Our Limited Company proposition is built on experience, shaped by feedback, and backed by a team that champions the sector.

With competitive products, flexible criteria, and a deep commitment to intermediary success, The Mortgage Works is here to help you place business with confidence and grow your relationships with landlord clients.