The Mortgage Works Reviews

The Mortgage Works Reviews

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Services Provided: £2M Max Loan Value / Fixed RateInterest Only / No Upfront Fees / Up To 75% LTV

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Hello Landlords, we are The Mortgage Works

To apply for a buy-to-let mortgage, you should make sure that:

  1. you’ve owned and lived in your current home for at least 6 months
  2. you have a minimum annual salary of £25,000 (excluding rental income)
  3. your maximum borrowing won’t exceed 75% loan to value
  4. you’re not a portfolio landlord
  5. your annual rental income will be at least 125% of your mortgage payments, if all mortgage applicants are lower-rate tax payers. Or, if any applicant is a higher-rate tax payer, your annual rental income should be at least 145% of your mortgage payments
  6. you won’t have more than £2 million buy-to-let borrowing with HSBC (including the amount you wish to apply for)

Our approach to buy to let mortgages

The Mortgage Works is a specialist lender and has supported Landlords with buy to let mortgages for over 30 years. Today we focus on offering a flexible approach to lending, with a range of mortgages designed for landlords:

  • Portfolio landlords
  • First-time landlords
  • Limited Company landlords
  • Self-employed landlords
  • Houses in Multiple Occupation

Helping landlords with their responsibilities

Landlords are facing into greater and more complex regulation, which can become overwhelming.

Our responsibility extends beyond the rates we offer. Helping landlords do their job as easily and effectively as possible will allow more time to focus on the quality of properties and the wellbeing of tenants.

We will support by:

  • Simplifying complex regulation
  • Offering help beyond mortgages
  • Providing relevant and timely information

A well-functioning housing system is one that meets everyone’s housing needs

One in five households live in private rented homes*, a well-functioning private rental sector will support a thriving society.

Private renters represent a diverse range of people playing important roles in our society and driving our economy, and look to landlords to provide homes to suit their needs.

With over 330,000 landlords choosing The Mortgage Works for their needs, we are committed to protecting landlords, using our size and scale to influence government and shape the wider rental sector for the better.

Enhanced Review Transparency is achieved through the synergistic integration of Artificial Intelligence and Third Party Moderation. Our Rental Market AI® collaborates seamlessly with Judge.Me to guarantee the reliability and trustworthiness of reviews posted on Rental Market.

Customer Reviews

Based on 227 reviews
George N.

This company has been my go-to for remortgaging my buy-to-let properties. Their tailored solutions and exceptional service set them apart.

Samuel W.

I am grateful for the guidance and support provided by the team throughout my journey as a landlord. They were patient, understanding, and always available to answer my questions and address any concerns.

Ethan R.

TMW delivered a professional and reliable remortgaging experience. Would choose them again.

Amelia K.

The Mortgage Works provided a seamless and professional remortgaging experience. Impressive service.

Benjamin H.

I had a great experience with The Mortgage Works' professional and reliable remortgaging service.

Evan B.

TMW's professional team made my remortgage journey seamless and stress-free.

Fran S.

The individuals I collaborated with demonstrated a high level of professionalism and expertise. Their guidance and support were invaluable in helping me navigate the rental market successfully.

Brandon C.

This company understands the unique needs of landlords and offers customized solutions for remortgaging buy-to-let properties. Highly recommended.

Emma W.

The support I received from the individuals I collaborated with was exceptional. They were attentive listeners and provided tailored solutions that addressed my specific concerns and goals.

Reece L.

TMW's professional expertise and attention to detail made my remortgaging experience exceptional.

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