Welcome to The Mortgage Works.

Virgin Money is now part of Nationwide - and we’re delighted to welcome you. The Mortgage Works is Nationwide’s buy to let lender. Whether you’re new to buy to let or growing your portfolio, we’re here to help.

Why choose The Mortgage Works?

We’ve been buy to let experts for over 30 years. We won the Best Buy to Let Mortgage Lender award at the Your Mortgage Awards for 2024-2025.
We support more than 330,000 landlords with our wide range of mortgages.
When you’re a customer, you can manage your mortgages with us online.
Our responsibility extends beyond mortgages. Check our news and insights for good practice advice and updates on the latest regulations.

What mortgages do we offer?

We offer a wide range of buy to let mortgages, including options for landlords with a larger portfolio, Limited Companies, and Houses in Multiple Occupancy (HMOs).

View buy to let mortgages

How much rental income could I get?

Our rental yield calculator can help you find out the potential gross rental income as a percentage of your property value.

Calculate rental yield

What mortgage rate could I get?

Use our online mortgage rate finder to see what buy to let mortgages could be right for you.

Find a mortgage rate

How much will I need to repay monthly?

Try our mortgage payment calculator to see what your buy to let monthly mortgage repayments might be.

Calculate mortgage payment

Support throughout your journey

Landlords sit at the heart of the private rental sector. The Mortgage Works wants to help landlords operate effectively and understand their responsibilities. This means you have more time to focus on the quality of your properties and wellbeing of tenants.

Understand complex regulation and get relevant information: our news and insights section provides clear, timely updated to help you run your business.

View recent news and insights

Ready to apply?

1. Check eligibility

About you

Minimum age is 21. No maximum age if you are an experienced landlord, otherwise the maximum age is 70.
There is no minimum income required. The amount you can borrow is linked to how much the property is let for.
We accept first time landlords and Limited Company applications.

About the property

The property must be used for residential letting and be in a lettable condition.
We accept new build applications.
There’s no limit to the number of properties you can have in your portfolio, up to £7.5 million lending.

This is just a summary of our key criteria. Check our eligibility criteria for more details.

If you have any questions, give us a call on 0345 607 30 21. We answer most calls within two minutes.

For advice about choosing a mortgage, please contact your broker.

2. Book an appointment

To apply for a buy to let mortgage with us, you need to speak with one of our buy to let mortgage consultants. Just answer a few brief questions and choose the date and time that suits you.

Book an appointment

Important:

All buy to let mortgages are subject to underwriting and criteria. Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage.