Our mortgages

Whether you're buying a new property or planning a remortgage, we offer a range of mortgage options. We've prided ourselves on providing flexible solutions to meet your needs since 1988.

Our product range

New mortgages

  • Standard buy to let - for individual landlords purchasing or remortgaging a rental property
  • Portfolio landlords - for landlords with four or more mortgaged buy to let properties in the UK
  • Limited Companies - for landlords who have a company set up solely for buying, letting and selling property
  • House in Multiple Occupancy (HMO) - for landlords who have property with shared facilities, lived in by five or more people from two or more different households.

Existing mortgages

  • Switching - when your existing rate is coming to an end and you are ready to switch to a new deal
  • Further Advance - borrowing more on an existing mortgage with The Mortgage Works
  • Green Further Advance - borrowing more with The Mortgage Works to improve energy efficiency of a property

Let to Buy mortgages

Let to buy is when you'd like to rent out your current home and purchase a new property to live in.

We offer mortgages for Let to Buy through mortgage brokers or independent financial advisers only.

Our mortgage rates

Use our online mortgage rate finder to find a buy to let mortgage that could be right for you.

Find a mortgage rate

Key features

We offer flexible mortgage options with your goals in mind.

  • A choice of 1, 2 or 5 year deals for new customers.
  • A choice of 2, 3 or 5 year deals for existing customers.
  • We may lend up to 80% of the value of the property if it has an Energy Performance Certificate rating of C or above. Otherwise we may lend up to 75%.
  • A range of benefits including free valuations, free standard legal fees and cashback. Terms and conditions apply.
  • Dedicated products and rates for Limited Company and large portfolio landlords.

Ready to apply?

  1. Check eligibility

About you

  • Tick icon Minimum age is 21. No maximum age if you are an experienced landlord, otherwise the maximum age is 70.
  • Tick icon There is no minimum income required. The amount you can borrow is linked to how much the property is let for.
  • Tick icon We accept first time landlords and Limited Company applications.

About the property

  • Tick icon The property must be used for residential letting and be in a lettable condition.
  • Tick icon We accept new build applications.
  • Tick icon There’s no limit to the number of properties you can have in your portfolio, up to £7.5 million lending.

This is just a summary of our key criteria. Check our eligibility criteria for more details.

If you have any questions, give us a call on 0345 607 30 21. We answer most calls within two minutes.

For advice about choosing a mortgage, please contact your broker.

  2. Speak to us

To apply for a buy to let mortgage you can get in touch with one of our buy to let mortgage consultants.

Contact us

Calculators

Get an idea of how much your repayments could be, your potential rental yield, and more.

Try our calculators

How buy to let works

Find out more about buy to let. We have helpful answers to questions you may have about our mortgages and being a landlord.

Learn more about buy to let

Need support?

Give us a call on 0345 607 30 21

Monday to Friday, 9am to 5pm.

For advice about choosing a mortgage, please contact your broker or financial adviser.

Important:

All buy to let mortgages are subject to underwriting and criteria. Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage.

Insights for landlords

Keep on top of the latest legal changes and industry developments

Get ready for new EPC rules

Know more about the Renter’s Rights Act

Navigating the Private Rented Sector in 2026