What are The Mortgage Works's HMO mortgage rates?

The Mortgage Works offers competitive HMO mortgage rates. Rates vary based on loan-to-value, borrower profile, and property type. Contact us for the latest rates and personalised quotes.

What are The Mortgage Works's borrower criteria?

The Mortgage Works requires experience from experienced landlords. Good credit history is typically required. Minimum age: 18 years, maximum age: 70 years.

Does The Mortgage Works accept intermediary applications?

The Mortgage Works accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does The Mortgage Works offer?

The Mortgage Works offers Hmo Mortgages, Hmo Remortgages, Portfolio, Limited Company. Contact us to discuss your specific requirements and find the best solution for your property investment needs.

HMO Lenders

The Mortgage Works

The Mortgage Works (TMW) is the specialist buy-to-let mortgage lender of Nationwide Building Society. They are one of the largest BTL lenders in the UK, offering a wide range of products for landlords, including HMO mortgages.

Part of Nationwide Building Society
One of the UK's largest BTL lenders
Let to Buy and Ltd Co options

4.5(198)

HMO Services

HMO Mortgages HMO Remortgages HMO Bridging HMO Development

The Mortgage Works HMO Rates

Rates Coming Soon

We're currently updating our rates for The Mortgage Works. Check back soon or explore our current HMO mortgage options.

Browse All Rates Get Latest Rates

Borrower Criteria

Acceptable Borrowers

individual

limited Company

llp

offshore Company

Experience Requirements

First-time landlords accepted

Property investment experience required

Minimum 12 months experience as a landlord required. Not for first-time buyers.

Credit Requirements

Adverse credit considered

Requires a strong credit history, in line with mainstream lending criteria.

Age Requirements

Minimum age: 18 years

Maximum age: 70 years

Application Channels

Accepts intermediary applications

Accepts direct applications

Source Information

Profile last updated: 10 March 2026

Status: Published

Reviews are generally for the parent company, Nationwide, not TMW specifically.

Frequently Asked Questions

Common questions about The Mortgage Works and their HMO mortgage services: