The Mortgage Works

The Mortgage Works: Specialist Buy-to-Let Solutions

The Mortgage Works (TMW) is a leading buy-to-let mortgage lender and a subsidiary of Nationwide Building Society. As an intermediary-only lender, TMW specialises in providing tailored mortgage solutions for landlords and property investors, offering competitive products for both professional and first-time landlords. Whether you’re expanding your portfolio or remortgaging an existing property, TMW offers a range of products that cater to various buy-to-let needs.

At Kerr & Watson, we work closely with The Mortgage Works to ensure our clients have access to these specialist mortgage products.

Why Choose The Mortgage Works with Kerr & Watson?

Expertise in Buy-to-Let Mortgages

The Mortgage Works is highly regarded for its deep understanding of the buy-to-let market. They provide a wide range of mortgage products, including options for limited companies and Houses in Multiple Occupation (HMOs). Whether you’re a portfolio landlord or just starting out, TMW offers flexible products designed to support your property investment strategy.

Flexible Lending Criteria

TMW is known for offering flexible lending criteria, making it an ideal choice for a variety of borrowers. Their products are designed to accommodate landlords with complex financial situations, including those operating through limited companies or with non-standard property types like HMOs.

Intermediary-Only Products

The Mortgage Works operates exclusively through intermediaries, meaning you will need to work with a mortgage broker to access their products. By partnering with Kerr & Watson, you gain expert advice and guidance, ensuring that you find the right product to match your financial and property investment goals.

Efficient Service

TMW is committed to providing a streamlined and efficient service, making it easier for landlords to secure the financing they need. Their quick decision-making process helps avoid unnecessary delays, ensuring that your mortgage application is handled swiftly.

Switching Your Rate with The Mortgage Works: What You Need to Know

If you are nearing the end of your mortgage term with The Mortgage Works, switching your rate is a simple and cost-effective process. TMW allows you to switch to a new mortgage rate with no additional valuation or legal fees, ensuring a smooth transition. By working with Kerr & Watson, we take care of the entire process, helping you secure the best rate available while protecting your investment from potential interest rate increases.

Product Highlights

Buy-to-Let Mortgages

TMW offers a variety of buy-to-let products, including competitive rates for individual landlords, limited companies, and HMOs. Their products are designed to support both experienced investors and first-time landlords.

Limited Company Mortgages

TMW provides tailored mortgage options for landlords operating through limited companies, offering tax-efficient solutions for property investments.

HMO Mortgages

The Mortgage Works offers specialist mortgages for HMOs, designed to cater to landlords seeking to maximise rental income through multi-tenant properties.

Why Contact Kerr & Watson?

Navigating the buy-to-let mortgage market can be complex, particularly if you’re dealing with multiple properties or non-standard lending scenarios. At Kerr & Watson, we simplify the process by providing expert advice and personalised service. Our team will work closely with you to understand your investment strategy and find the best mortgage products available from The Mortgage Works.

Get in Touch

Don’t miss out on the opportunity to benefit from The Mortgage Works’ specialist buy-to-let products.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your property investments.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.