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The Mortgage Works Mortgage Rates | Live Buy to Let Deals 2026

Looking to compare the latest The Mortgage Works (TMW) buy to let mortgage rates or explore your refinancing options?


Whether you’re a portfolio landlord, SPV director, or looking to refinance before your fixed deal ends, our expert led guidance ensures you find the most competitive TMW deal available.


The Mortgage Works is part of Nationwide Building Society and is known for flexible criteria.

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INsights by

Jason Foord, FCA-Regulated Mortgage Broker (FCA No. 997175) and Director at Verifi Mortgages.

The Mortgage Works only accepts applications through intermediaries like Verifi Mortgages.

The Mortgage Works Mortgage Rates – What’s Available?

We compare live TMW buy to let mortgage rates every month, directly from their intermediary portal.
Example products (as of November 2025):

Buy to let Purchase

3.69%

60% LTV

Fee £1495

2 yr Fixed Term

Check My Eligibility now

Buy to let Remortgage

4.20%

75% LTV

Fee £1495

5 yr Fixed Term

Get This Rate & Expert Help

Tracker Mortgage

4.59%

60% LTV

Fee £1495

Tracker

Start My Application Now

Last updated April 2026. Subject to change and individual eligibility.

  • Many landlords use our True-Cost Calculator to see the real monthly cost of TMW deals versus other lenders before applying.
Illustration of a mortgage advisor with headset and clipboard beside a Nationwide mortgage rates lead form

Is The Mortgage Works right for your case?

As one of the UK’s most established buy to let lenders, The Mortgage Works offers strong support for experienced landlords and SPV limited companies.

Based on my experience packaging cases with TMW, here’s what makes them stand out:

  • Up to 80% LTV for standard buy-to-lets, 75% for HMOs and multi-units
  • Flexible approach to complex income and top-slicing for higher earners
  • HMO lending up to 7 bedrooms (10 occupants), subject to valuer comments
  • SPV Limited Companies accepted (with eligible SIC codes)
  • Fast Decisions in Principle via digital packaging
  • Let to Buy and Portfolio landlords supported

At Verifi Mortgages, we work with TMW underwriters daily, giving clients faster decisions, accurate stress testing, and expert guidance on packaging complex portfolios for approval.

Buy to let mortgage illustration showing house and percentage icon – Verifi Mortgages explaining The Mortgage Works landlord criteria.

A short and sweet title for this section.

Don’t Just Check TMW’s Mortgage Rates — Know When to Act

TMW’s Mortgage rates can change, and the best deals don’t stay available for long. Theo tracks your mortgage against the market and alerts you when better options appear, so you don’t miss the right moment.

Theo Insight: The biggest savings often come from acting early — not waiting for rates to change again.

Track Your Mortgage Rate

Track Your Mortgage Now

Monitor your rate and spot better deals early

Get Alerts When Rates Drop

Get Mortgage Alerts

Get notified when you could save money

Know When to Remortgage

Check Your Mortgage Position

Understand your ideal remortgage timing

Theo is a mortgage intelligence platform designed to help you monitor your mortgage and identify potential savings. It does not provide advice. Always speak to a qualified adviser. Built by FCA regulated mortgage experts at Verifi Mortgages

Compare true cost of The Mortgage Works mortgage rates

Headline rates don’t show the full picture. Fees, cashback, valuation, and early repayment charges can change the real outcome.
Our True Cost Calculator gives you a like for like cost breakdown against other lenders, so you can see which product actually saves you more.

We calculate:

  • Monthly Mortgage Payment
  • Fixed Terms (2, 3, 5, 10 Years)
  • Lender and Product Fees
  • Cashback or Incentives
  • Many landlords use our True Cost Calculator to see the real monthly cost of TMW deals versus other lenders before applying.
Expert Insights

Jason Foord, FCA-Regulated Mortgage Broker (FCA No. 997175) and Director at Verifi Mortgages.

In my experience, The Mortgage Works is flexible but firm they’ll usually cap LTV at 75%, expect 2+ years’ landlord experience for SPV cases, and limit HMOs to 6 bedrooms. First time landlords are accepted, though cases need clean credit and solid income.

Documents You’ll Need for a TMW Application

Applying through The Mortgage Works is simple when you know what to prepare. Typically, you’ll need:

How Verifi Mortgages speeds up approvals

Our digital packaging and lender access mean we can help you move faster:

  • Photo ID and proof of address
  • Rental income estimate or AST agreement
  • Business bank statements (for SPVs)
  • Portfolio schedule (if 4+ properties)
  • Latest SA302s or accountant’s letter
  • Instant soft-search eligibility check
  • Accurate stress testing and affordability modelling
  • Digital document uploads
  • Decision in Principle from TMW within 24 hours
  • Real time case tracking and updates

Verifi Mortgages: today’s key mortgage tools

Mortgage Lenders

Explore our full directory of UK mortgage lenders, with criteria, max LTVs, and specialisms. Updated weekly so you know exactly which lender fits your case.

View Mortgage Lenders →

RateDrop — live mortgage rate tracker & alerts

Track lender rate changes by LTV band, set alerts, and see projected movements with confidence bands.

Early Subscribe to RateDrop →

Verifi Mortgage Advice Hub

Guides, calculators, and expert insights covering mortgages, affordability, and lender rules. Designed to answer the questions buyers, landlords, and investors search most.

Visit the Advice Hub →

FAQs about The Mortgage Works mortgage rates

You must meet rental income stress tests, property criteria, and credit standards. We confirm these before DIP to avoid wasted hard searches.

Based on TMW’s published criteria, they typically require a minimum income of £25,000 (including expected rental income) and will underwrite using a stress rate of 5.5% on the mortgaged amount.

Yes. TMW accepts applications from SPVs with the right SIC code. Director guarantees are usually required.

Most buy-to-let products are capped at 75% LTV. Some limited company or specialist cases may differ.

Yes, subject to property licensing and valuation. We pre-check all HMO cases before application.

Simple cases can reach offer stage within weeks. Our packaging team ensures no delays.

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Compliance notice

The Mortgage Works is a trading name of Nationwide Building Society. Verifi Mortgages is an independent broker, not a lender.
We compare products from multiple lenders, including TMW.
Your property may be repossessed if you do not keep up repayments.
Buy-to-let mortgages are not usually regulated by the FCA. You can find more information on the official The Mortgage Works website.

Why Choose Verifi Mortgages for The Mortgage Works?

We’re not just sourcing rates, we’re structuring approvals.
Here’s what sets us apart:

  • Direct access to TMW underwriters
  • Daily rate and TMW criteria monitoring
  • High approval rates due to expert packaging
  • Independent comparisons with BM Solutions, Vida, Precise, and more
  • Free initial consultation with no obligation

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