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Mortgage Lender



The Mortgage Works

As a subdisary of the Nationwide Building Society this provider concentrates upon specialist mortgages in the Buy-to-Let sector and also offers the ability to take out a mortgage whilst using a Guarantor who accepts full or limited liability. If you have a specialist requirement that fall outside of the remit of most banks and building societies then the Mortgage Works may be able to come up with a suitable product.

The Mortgage works has won numerous awards and commendations including

Five Stars Financial Advisor Service Awards 2009

'Best Buy to Let Lender' Moneywise Mortgage Awards 2009

'Best Specialist Lender' Mortgage Force 2009

'Best Buy to Let Mortgage Provider' Business Moneyfacts 2009

The Mortgage Works Mortgage Products

Guarantor mortgages: This will require a close relative who is willing to act as a guarantor for all or part of the mortgage. Full liability can be chosen whereby the guarantor agree to be liable for the whole debt if the borrower defaults on mortgage repayments. Limited liability will mean that the guarantor is liable for a percentage of the mortgage loan. The product can be taken as an interest only loan, a capital repayment loan or can be combined. Specialist advice should be taken by both parties before taking this option.

Buy-to-Let Refurbishment mortgage: Borrow up to 70% of the property value and agree to undertake and complete the agreed refurbishment works within 3 months. Funds will be withheld and then released when the works have been approved. The minimum retention will be £2,500 and the maximum will be £25,000. Fixed, Tracker and Variable Rates are available.

Buy-to-Let mortgage: You can choose from Fixed, Variable, Tracker or Stepped Tracker products and borrow up to 80% of the property value on a maximum £350,000 loan or 50% a loan up to £1,500,000. First time landlords must have been residential home owners for a minimum of 6 months.

Interest is calculated daily.

If you are interested in a mortgage quotation including those offered by The Mortgage Works please complete our quick enquiry form.


The Mortgage Works Mortgage Rates

Mortgage Type Initial Rate Subsequent Rate APR Max LTV Fees & Charges Enquire Now
Guarantor Mortgage       85% £99 up front non-refundable Application Fee plus Arrangement Fee
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Buy-to-Let Refurbishment From 4.99%     70%  
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Buy-to-Let Mortgage From 4.99%     80% £150 up front non-refundable Application Fee plus Arrangement Fee
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Speak to a professional about a The Mortgage Works Mortgage