Our mortgages

The Mortgage Works, part of Nationwide Building Society, has been offering buy to let mortgages since 1988.

Whether you’re buying a new property or planning a remortgage, we offer a range of mortgage options, and pride ourselves on providing flexible solutions to meet your needs.

Our product range

New mortgages

  • Standard buy to let
  • Portfolio landlords - if you have 4 or more mortgages buy to let properties in the UK
  • Limited Companies - a company set up solely for buying, letting and selling property
  • House in Multiple Occupancy (HMO) - a property that's lived in by 5 or more people from 2 or more different households. They share facilities in the property.

Existing mortgages

  • Switching - where an existing rate is coming to an end and would like to switch to a new deal.
  • Further Advance - borrowing more on an existing mortgage with The Mortgage Works.
  • Green Further Advances - borrowing more with The Mortgage Works to improve energy efficiency of a property.

Let to buy

Let to buy is when you'd like to rent our your current home and purchase a new property to live in. We offer mortgages for Let to Buy through mortgage brokers or independent financial advisers only.

More about buy to let mortgages

To find out more about buy to let mortgages, we have a dedicated page with helpful answers to questions you may have as a landlord.

About buy to let mortgages

 

Our mortgage rates

Use our online mortgage rate finder to find a buy to let mortgage that could be right for you.

Find a mortgage

Eligibility

Before you apply for a buy to let mortgage, check if you meet our lending criteria.

Check eligibility

Calculators

Get an idea of how much your repayments could be, your potential rental yield, and more.

Try our calculators

Key features

  • We can lend up to 80% of the value of the property if it has an Energy Performance Certificate rating of C or above. Otherwise we can lend up to 75%
  • A choice of 1, 2, 5 or 10 year deal periods
  • Variety of fee and LTV options
  • Range of benefits available, including free valuations, free standard legal fees and cashback. Terms and conditions apply
  • Dedicated limited company and large portfolio rates

Apply for a new mortgage

Contact one of the Buy to Let team who will personally own your case, provide support, and keep you informed about the progress of your application.

If you need advice, speak to your intermediary or broker.

Apply for a new mortgage

Limited Company mortgages

Our Limited Company mortgages are available to first time, experienced and portfolio landlords. See whether they are right for you.

Limited Company mortgages

Green Further Advance mortgages

If you're borrowing more to improve your property’s energy efficiency, these mortgages could get you a lower initial interest rate.

Green Further Advance mortgages