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.
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.
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.
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.
Marie Kitchener was extremely helpful with a difficult , quite complex case. Marie responded to our questions with understanding, great knowledge and we trusted her advice. The solicitor she recommended was brilliant too. Highly recommend Kerr & Watson.
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Lauren Murray
30 June 2026
Marie Kitchen was absolutely fabulous. We had an incredibly complicated case due to living abroad and a few hiccups along the way. Marie was persistent and helped us to resolve these efficiently. Highly recommend.
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Michelle
8 June 2026
My 2nd time dealing with Kerr & Watson and they didn't disappoint, great service, professional and patient - big shout out to Andreea & Stephen
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Sean Turner
2 June 2026
I had an excellent experience with Kerr and Watson and would happily recommend them.
A special mention has to go to James, who provided exceptional service throughout. He was professional, approachable, clear in his communication and always willing to help. His support made a huge difference, and we genuinely couldn’t have done it without him.
I would not hesitate in recommending K&W to any family or friends.
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Jackie
15 May 2026
Brad was quick with getting me the right mortgage insurance prior to a move abroad. Polite and professional. Also liked that he would call to remind me take any actions if I hadn't responded to emails
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Ade Kunle
1 May 2026
I will always recommend Kerr & Watson to friend and family.
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Minzel 33
23 April 2026
This is my second product with Matthew, securing a BTL for my LTD with the best rate on the market. Once again great support, guidance and smooth process. Highly recommended, knowledgeable team. Reliable service.
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Freya B
14 April 2026
The team at Kerr & Watson were brilliant end to end. Daniel explained everything clearly, was always available to answer questions and helped us secure a great mortgage rate. The mortgage broking service they offer is worth every penny and I'd not hesitate to use them again. Thank you!
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Dean Langton
7 April 2026
Excellent service and very nice people.
Would highly recommend using them.
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Frequently Asked Questions About The Mortgage Works
▸ ▾Is The Mortgage Works a good buy-to-let lender?
The Mortgage Works can be a good buy-to-let lender for the right landlord, especially where the property, rental income and overall application fit their criteria. They specialise in buy-to-let mortgages and may be suitable for landlords starting out, growing a portfolio or remortgaging an existing rental property.
That does not mean The Mortgage Works will be the best lender for every landlord. The right option depends on your property, rental income, deposit, ownership structure, landlord experience and wider financial position. Kerr & Watson can compare The Mortgage Works with other buy-to-let lenders and explain which route is most suitable.
▸ ▾Do I need a mortgage broker to apply to The Mortgage Works?
The Mortgage Works offers some buy-to-let mortgages through mortgage brokers or independent financial advisers, and broker support is especially useful where the case is more detailed.
Using a broker can help because buy-to-let lending is criteria-led. Kerr & Watson can check whether your case fits The Mortgage Works’ requirements, review the rental calculation and compare other lenders before an application is submitted.
▸ ▾Can Kerr & Watson help me apply to The Mortgage Works?
Yes, Kerr & Watson can help with The Mortgage Works buy-to-let mortgage applications. We can review your property, expected rent, deposit, landlord experience, personal income, ownership structure and wider portfolio before deciding whether The Mortgage Works is the right lender to approach.
If The Mortgage Works is suitable, we can help prepare the application and guide you through the process. If another buy-to-let lender is a better fit, we will explain why and talk you through your options clearly.
▸ ▾Does The Mortgage Works offer limited company buy-to-let mortgages?
Yes, The Mortgage Works offers limited company buy-to-let mortgages, subject to criteria and product availability. The company will usually need to be set up for the purpose of buying, letting and selling property, often known as a special purpose vehicle.
Limited company buy-to-let applications can be more detailed than personal buy-to-let cases. The lender may review the company structure, directors, shareholders, deposit source, property, rental income and overall affordability.
▸ ▾Can portfolio landlords use The Mortgage Works?
Yes, The Mortgage Works may consider portfolio landlords, subject to their criteria and affordability checks. Portfolio landlord applications can involve reviewing both the new property and the wider property portfolio.
This means the rental income, loan-to-value and interest cover across the portfolio can matter, not just the property being purchased or remortgaged. Kerr & Watson can help organise the information needed and compare The Mortgage Works with other portfolio landlord lenders.
▸ ▾Does The Mortgage Works offer let-to-buy mortgages?
Yes, The Mortgage Works offers let-to-buy mortgages. Let-to-buy is where you rent out your current home and buy a new residential property to live in.
These applications can involve both buy-to-let and residential mortgage considerations. Kerr & Watson can help review the rental income on your existing home, your onward purchase plans and the lenders most likely to fit both parts of the transaction.
▸ ▾How much can I borrow with The Mortgage Works?
How much you can borrow with The Mortgage Works will usually depend on the property value, rental income, deposit, loan-to-value, interest cover calculation and your wider circumstances.
For buy-to-let mortgages, rental income is often a key part of affordability. Kerr & Watson can check the rental calculation and compare The Mortgage Works with other buy-to-let lenders to see what may be possible.
Missed payments, defaults, CCJs, debt management plans and other credit issues can affect lender choice. If you have bad credit or a complicated credit history, it is best to get mortgage advice before applying.
▸ ▾What deposit do I need for a The Mortgage Works buy-to-let mortgage?
The deposit needed for a The Mortgage Works buy-to-let mortgage depends on the product, property type, rental income, loan-to-value and your overall circumstances. Buy-to-let mortgages often require a larger deposit than standard residential mortgages.
Before applying, it is worth checking whether your deposit and rental income meet the lender’s requirements. If The Mortgage Works is not the most suitable option, another buy-to-let lender may be a better fit.
▸ ▾Can I remortgage to The Mortgage Works?
Yes, The Mortgage Works may be an option if you want to remortgage a buy-to-let property. This could be to secure a new rate, raise capital, move from another lender or restructure your property finance.
Before remortgaging, it is worth reviewing the interest rate, product fees, rental stress testing, property value, early repayment charges and your longer-term plans. Kerr & Watson can compare The Mortgage Works with other buy-to-let lenders and recommend the most suitable route.
▸ ▾Is The Mortgage Works the best buy-to-let lender for me?
The Mortgage Works may be suitable for some landlords, but it will not be the best option for every buy-to-let case. The right lender depends on your property, rental income, deposit, ownership structure, portfolio size, tax position and investment plans.
Kerr & Watson can compare The Mortgage Works with other buy-to-let mortgage lenders and explain which option is most suitable. This can help you avoid applying to the wrong lender and give you a clearer route forward.
Common Mortgage Lender Questions
▸ ▾How do I know which mortgage lender is right for me?
The right mortgage lender will depend on your income, deposit, credit history, property type, borrowing amount and long-term plans. Some lenders are better suited to straightforward residential mortgages, while others specialise in buy-to-let, complex income, adverse credit, commercial property or larger loans. A mortgage adviser can compare lenders and help identify which option may be most suitable for your circumstances.
▸ ▾Do all mortgage lenders use the same criteria?
No. Every mortgage lender has its own lending criteria, affordability model, credit scoring system, property requirements and risk appetite. This means one lender may decline an application that another lender is comfortable considering. Lender selection is an important part of the mortgage process.
▸ ▾Why use a mortgage broker instead of applying directly to a lender?
A mortgage broker can help compare lenders, check criteria before you apply and explain which options may be suitable for your circumstances. This can be especially useful if you are self-employed, have complex income, need a buy-to-let mortgage, have previous credit issues or are unsure which lender is likely to accept your application.
▸ ▾Can a whole-of-market mortgage broker access more lenders?
A whole-of-market mortgage broker can review a wide range of lenders and products, including high street banks, building societies, specialist lenders and intermediary-only lenders. This can give you a broader view of your options than approaching one lender directly.
▸ ▾What is an intermediary-only mortgage lender?
An intermediary-only lender is a lender that usually accepts applications through mortgage brokers rather than directly from customers. These lenders may offer products or criteria that are not available by applying directly online or through a branch. A mortgage broker can check whether an intermediary-only lender may be suitable for your case.
▸ ▾Does the lowest mortgage rate always mean the best lender?
Not always. The lowest rate may look attractive, but it is not automatically the best option. You also need to consider lender fees, affordability, criteria, product terms, early repayment charges, valuation requirements, service levels and whether the lender is likely to approve your application.
Yes. Mortgage lenders use different affordability calculators and assumptions. They may treat income, bonuses, commission, overtime, self-employed income, pension income, benefits, debts and childcare costs differently. This means the amount you can borrow may vary significantly from one lender to another.
▸ ▾Can a mortgage lender decline me even if I can afford the mortgage?
Yes. Mortgage lenders do not assess affordability alone. They may also review your credit history, employment type, income structure, deposit source, property type, loan-to-value, age, commitments and overall risk profile. Even if the monthly payment seems affordable, a lender may still decline the case if it does not meet their criteria.
▸ ▾If one lender declines me, can another lender still approve me?
Yes. A decline from one lender does not necessarily mean you cannot get a mortgage. Lenders assess applications differently, so another lender may take a more suitable view of your income, credit history, property or deposit. It is important to understand why the application was declined before approaching another lender.
▸ ▾Do lenders treat self-employed income differently?
Yes. Some lenders use the latest year’s income, while others average the last two years or assess salary and dividends for limited company directors. Some lenders may also consider retained profit, contractor income or more complex trading structures. Choosing the right lender can make a significant difference for self-employed applicants.
▸ ▾Do mortgage lenders accept bad credit?
Some lenders may consider applicants with bad credit, depending on the type, age and severity of the credit issue. Missed payments, defaults, CCJs, debt management plans, IVAs and previous arrears are all assessed differently by different lenders. A specialist lender may be more suitable if you have historic credit problems.
▸ ▾Can Kerr & Watson help me choose between mortgage lenders?
Yes. Kerr & Watson can review your circumstances, compare suitable lenders and explain which options may be available. We can help with residential mortgages, buy-to-let mortgages, specialist lending, complex income, adverse credit, bridging, commercial finance and later life lending, depending on your needs.
