Apply for a mortgage with The Mortgage Works

You may already be a landlord with a healthy portfolio of Buy to Let properties, or you could just be starting out. Either way, we could help you with your buy to let mortgage.

Before you get in touch, you’ll need to check if you're eligible.

Book Appointment

If you’re ready to apply, book an appointment with the Buy to Let team.

When booking your appointment, please choose 'Experian' when asked how you heard about The Mortgage Works.

Book appointment

Call the team

Call 0800 0327 589 to talk to the Buy to Let team.

Monday to Friday, 9am to 5pm.


Check that you meet all our eligibility criteria:

  • At least one person applying for the mortgage currently owns a UK property
  • You are aged 21 or over
  • You have been a UK resident for the last 3 years
  • You have a clear credit history (for example, no bankruptcy or repossessions) over the past 4 years, and no county court judgements for the past 6 years
  • The property is in England, Scotland or Wales
  • The value of the property is at least £50,000
  • The property is in a lettable condition and has an Energy Performance Certificate (EPC) rating of E or higher (unless exempt), and
  • You have a deposit of at least 20%, or 25% if the property has an EPC rating of D or E.
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.

Mortgage consultants can’t provide advice on buy to let mortgages, but can provide information and support the completion of the application process with you over the phone.

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