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Buy to Let mortgages

You may have seen a property you’d like to purchase and rent out, or you could have inherited a property that you want to keep, but not live in. No matter your experience, there’s a wide range of Buy to Let mortgages available.

The Mortgage Works

The Mortgage Works is our specialist buy to let mortgage lender.

Providing mortgages for over 30 years, The Mortgage Works exists to support landlords. They do this by helping them get financial support, understand their responsibilities and more.

The Mortgage Works offers a flexible approach to lending. And has a range of mortgages for all – from first-time landlords to those with property portfolios.

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 5 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.

Information:

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).

Visit The Mortgage Works

Information:

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.

Important:

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.