The Mortgage Works

The Mortgage Works is the specialist buy to let mortgage lender of Nationwide.

The Mortgage Works have been providing Buy to Let mortgages for over 30 years - so have lots of experience.

There are a range of products available, whether you’re a first-time landlord, or someone who’s already got a property portfolio.

Features and benefits

You get access to:

  • a dedicated team of experts who will support you throughout your application

  • a wide choice of products and rates

  • borrowing up to 80% of the property value (Loan to Value)

  • deal periods from 1 to 10 years, with and without fees.

There's also:

  • no maximum age if you’ve been a landlord for 6 months or more and have a minimum deposit of 35%

  • no minimum personal income requirement

  • no limit to how many properties you can have with The Mortgage Works.


Getting a mortgage from The Mortgage Works does not make you a member of Nationwide.

To apply for a Buy to Let mortgage

You need to:

  • be aged 21 or over
  • be a UK resident with at least 3 years of UK address history
  • already own a property in the UK, or be applying with someone else who does
  • be buying a property in England, Wales or mainland Scotland
  • be borrowing at least £25,000.

Full eligibility criteria (opens in a new window) is on The Mortgage Works website.

Next steps

If you’re still researching your options, visit The Mortgage Works to see the rates and products (opens in a new window).

Or, if you want to talk, contact the Buy to Let Team (opens in a new window).


The Mortgage Works (UK) plc (Company No. 2222856) is a wholly owned subsidiary of Nationwide Building Society and is authorised and regulated by the Financial Conduct Authority (FCA) under registration number 189623. You can confirm our registration on the FCA’s website. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.


Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 21, UK residents only.