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 mortgage rates

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

Find a mortgage


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

Check eligibility


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

Try our calculators

Information: If you already have a mortgage with us and your rate is coming to an end, you can switch to a new deal online.

Our product range

We offer mortgages for:

  • Standard Buy to Let
  • First time landlords
  • Portfolio landlords – if you have 4 or more mortgaged buy to let properties in the UK
  • Limited Companies – a company set up solely for buying, letting and selling of property
  • Green Further Advances – borrowing more with The Mortgage Works to improve the energy efficiency of a property
  • House in Multiple Occupancy (HMO) - a property that's lived in by more than 5 people from 2 or more different households. They share facilities in the property.

Let to Buy

We’re only offering Let to Buy mortgages through a broker. Let to Buy is when you’d like to rent out your current home and purchase a new property to live in.

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, contact your broker or an Independent Financial Adviser.

Important: All buy to let mortgages are subject to underwriting and criteria.

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