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The Mortgage Works

A subsidiary of the Nationwide Building Society, The Mortgage Works (TMW) is a specialist provider of mortgage products, helping customers and mortgage brokers find tailored home buying solutions. Use our table below to find and compare The Mortgage Works mortgages.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Tracker until 31/01/2019
Initial rate
1.74%then 4.49% (variable)
Fees
£3,290fees
Overall cost
4.1%APRC
Monthly cost
£658.10 for 24 months then £870.18 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,253 includes: Loan amount (£160,000); Interest (£95,963); Application fee (£3,200); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
1.74%then 4.49% (variable)
Fees
£3,900fees
Overall cost
4.1%APRC
Monthly cost
£658.10 for 24 months then £870.18 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,863 includes: Loan amount (£160,000); Interest (£95,963); Booking fee (£150); Application fee (£3,200); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.79%then 4.49% (variable)
Fees
£3,290fees
Overall cost
4.1%APRC
Monthly cost
£661.93 for 24 months then £870.55 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,448 includes: Loan amount (£160,000); Interest (£96,158); Application fee (£3,200); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.79%then 4.49% (variable)
Fees
£3,900fees
Overall cost
4.1%APRC
Monthly cost
£661.93 for 24 months then £870.55 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,058 includes: Loan amount (£160,000); Interest (£96,158); Booking fee (£150); Application fee (£3,200); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
1.84%then 4.49% (variable)
Fees
£2,085fees
Overall cost
4.1%APRC
Monthly cost
£665.77 for 24 months then £870.92 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £258,438 includes: Loan amount (£160,000); Interest (£96,353); Application fee (£1,995); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
1.84%then 4.49% (variable)
Fees
£2,695fees
Overall cost
4.1%APRC
Monthly cost
£665.77 for 24 months then £870.92 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,048 includes: Loan amount (£160,000); Interest (£96,353); Application fee (£1,995); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
1.99%then 4.49% (variable)
Fees
£3,900fees
Overall cost
4.1%APRC
Monthly cost
£677.39 for 24 months then £872.03 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,838 includes: Loan amount (£160,000); Interest (£96,938); Booking fee (£150); Application fee (£3,200); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.09%then 4.49% (variable)
Fees
£2,695fees
Overall cost
4.2%APRC
Monthly cost
£685.20 for 24 months then £872.76 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,022 includes: Loan amount (£160,000); Interest (£97,327); Application fee (£1,995); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.09%then 4.49% (variable)
Fees
£2,085fees
Overall cost
4.2%APRC
Monthly cost
£685.20 for 24 months then £872.76 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,412 includes: Loan amount (£160,000); Interest (£97,327); Application fee (£1,995); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
2.09%then 4.99% (variable)
Fees
£3,290fees
Overall cost
4.6%APRC
Monthly cost
£685.20 for 24 months then £915.03 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,283 includes: Loan amount (£160,000); Interest (£108,993); Application fee (£3,200); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
2.09%then 4.99% (variable)
Fees
£3,900fees
Overall cost
4.6%APRC
Monthly cost
£685.20 for 24 months then £915.03 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,893 includes: Loan amount (£160,000); Interest (£108,993); Application fee (£3,200); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
2.14%then 4.49% (variable)
Fees
£1,695fees
Overall cost
4.2%APRC
Monthly cost
£689.13 for 24 months then £873.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,216 includes: Loan amount (£160,000); Interest (£97,521); Application fee (£995); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 31/01/2019
Initial rate
2.14%then 4.49% (variable)
Fees
£1,085fees
Overall cost
4.2%APRC
Monthly cost
£689.13 for 24 months then £873.12 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £258,606 includes: Loan amount (£160,000); Interest (£97,521); Application fee (£995); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.14%then 4.99% (variable)
Fees
£3,290fees
Overall cost
4.6%APRC
Monthly cost
£689.13 for 24 months then £915.41 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £272,482 includes: Loan amount (£160,000); Interest (£109,192); Application fee (£3,200); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.14%then 4.99% (variable)
Fees
£3,900fees
Overall cost
4.6%APRC
Monthly cost
£689.13 for 24 months then £915.41 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £273,092 includes: Loan amount (£160,000); Interest (£109,192); Application fee (£3,200); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.19%then 4.49% (variable)
Fees
£1,695fees
Overall cost
4.2%APRC
Monthly cost
£693.06 for 24 months then £873.48 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £259,410 includes: Loan amount (£160,000); Interest (£97,715); Application fee (£995); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.19%then 4.49% (variable)
Fees
£1,085fees
Overall cost
4.2%APRC
Monthly cost
£693.06 for 24 months then £873.48 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Available for existing borrowers switching deals only
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £258,800 includes: Loan amount (£160,000); Interest (£97,715); Application fee (£995); Funds transfer fee (£0); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.24%then 4.49% (variable)
Fees
£2,695fees
Overall cost
4.2%APRC
Monthly cost
£697.02 for 24 months then £873.84 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,604 includes: Loan amount (£160,000); Interest (£97,909); Application fee (£1,995); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2019
Initial rate
2.24%then 4.49% (variable)
Fees
£2,695fees
Overall cost
4.2%APRC
Monthly cost
£697.02 for 24 months then £873.84 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £260,604 includes: Loan amount (£160,000); Interest (£97,909); Booking fee (£150); Application fee (£1,995); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 31/01/2020
Initial rate
2.29%then 4.49% (variable)
Fees
£2,695fees
Overall cost
4.0%APRC
Monthly cost
£700.98 for 36 months then £867.03 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 21 or older
  • No arrears
  • Up to 65% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,825 includes: Loan amount (£160,000); Interest (£94,130); Application fee (£1,995); Booking fee (£150); Valuation fee (£340); Legal fee (£100); Funds transfer fee (£20); Mortgage discharge fee (£90); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About The Mortgage Works

Operating mostly through mortgage intermediaries, or mortgage brokers, The Mortgage Works provide specialist mortgages directly to customers, as well as services for brokers looking for a particular mortgage for their client's individual requirements.

Based in Bournemouth, Dorset, The Mortgage Works was originally known as the Sun Bank before being purchased by the Portman Building Society in 2001. It eventually settled on the name it has today in 2004 and became a subsidiary of the Nationwide Building Society in 2007.

Committed to taking a common sense approach in offering financial products and providing customers with a personalised service and competitive rates, The Mortgage Works has seen its ethos recognised with several awards over the past few years.

The Mortgage Works is often known as a specialist provider of buy to let mortgages, and this reputation was given a firm stamp of approval after winning Best Buy to Let Lender from seven different mortgage awards bodies.

As part of its commitment to its customers, The Mortgage Works's ambitions include the aim to go beyond the expectations of the Financial Conduct Authority's (FCA) initiative on 'Treating Customers Fairly'.

Through its common sense approach when explaining its mortgage products, The Mortgage Works believe that they are helping to treat customers fairly.

In providing practical financial advice, competitive products with clear and user friendly guidance, and personal service tailored to specialist needs, The Mortgage Works is able to match these 'Treating Customers Fairly' ideals.

The Mortgage Works mortgages

Specialising in and winning several awards for buy to let mortgages, The Mortgage Works focuses primarily on offering mortgages for would be landlords.

First time landlord mortgages are available for customers new to the buy to let mortgage market. In addition to this, The Mortgage Works, also provide experienced or first time landlords with the opportunity to remortgage their existing residential property as a buy to let.

The Mortgage Works offer a range of fixed rate and tracker mortgage deals to suit a range of preferred loan to value options.

Many of The Mortgage Works's mortgage products come with a free valuation, free standard legal services or even cashback offers, depending on the circumstances and subject to conditions.

Customers with maturing deals, or mortgage deals with their initial deals coming to an end, are usually contacted by The Mortgage Works.

The Mortgage Works aim to notify these customers about their options following the end of a mortgage deal. This could be to let them know they can switch to a new fixed rate deal, or look at other methods they could use to assist in repaying their mortgage.

Use our comparison table above to help you find a mortgage that's suitable for you from The Mortgage Works.

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this mortgage comparison service

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.