Frequently asked questions (FAQs)

Before you apply, check our criteria to see if you're eligible.

Ready to apply?

You can apply for a new Buy to Let mortgage online or contact one of our Buy to Let team, who'll personally own your case, provide support, and keep you informed about the progress of your application.

If you have any questions about our buy to let mortgages, call 0345 607 3021. The team is available 9am to 5pm, Monday to Friday.

There's no limit on the number of mortgages you can have with The Mortgage Works. However, for landlords with large portfolios (11+ properties) or more complex portfolios, we may require further information, such as a business plan.

Yes. You can own and manage your buy to let property through a limited company with The Mortgage Works. We offer a range of limited company mortgages for first time, experienced and portfolio landlords.

Find out more about our Limited Company mortgages.

All new applications with The Mortgage Works require a property valuation. Some mortgages include a free valuation as a benefit. Use our mortgage finder to see what's available.

Yes. You can manage your mortgage online and view your total balance, next payment date and online payment amount in one place.

You can also make changes to your mortgage, including your personal details, payments and mortgage term.

Manage my mortgage

Yes. You can pay off your mortgage in full, also known as redeeming your mortgage, before the end of its term.

You'll need to request a redemption statement, which will show how much you still owe, including any Early Repayment Charges and mortgage exit fees.

For more information on how to redeem your mortgage, visit our Mortgage redemption page. 

Yes. You can give a trusted person authority to discuss and receive information about your mortgage account on your behalf for up to 12 months. They won't be able to make changes to your mortgage account.

You'll need to complete a Third Party Authority form. For more information about completing and returning the form, visit our Help and support page.

A buy to let mortgage helps you purchase a property you want to rent out, rather than live in yourself. It’s designed for landlords who are buying a property to let to tenants.

Landlords play an incredibly important role in the Private Rental Sector. There are rules and regulations that you need to follow, regardless of how many properties you let out, to help protect your tenants

Our responsibility extends beyond the rates we offer. Our Help Centre provides information and support to help you understand your responsibilities.