Mortgage Rates

The Mortgage Works Mortgage Rates - October 2026

Compare The Mortgage Works’s current residential, buy-to-let and product transfer rates against the whole market. DBF is a whole-of-market mortgage broker: we search every deal, not just one lender’s range.

Best 5-yr fixed from 4.39%

Best 2-yr fixed from 6.09%

SVR 8.64%

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your The Mortgage Works mortgage

DBF Product Transfer System

If you decide to stay with The Mortgage Works at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if The Mortgage Works is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

The Mortgage Works Residential Mortgage Rates

Residential mortgage rates - indicative, updated monthly. Confirm current rates with DBF before proceeding.
Product	Rate	Initial Period	Fee	Overpay
Residential 2-yr fixed 75% LTV	6.09%	2 years	£1,295
Residential 5-yr fixed 75% LTV	4.39%Best	5 years	£1,295

The Mortgage Works Buy-to-Let Mortgage Rates

Buy-to-let mortgage rates - indicative, updated monthly. Portfolio and HMO criteria apply.
Product	Rate	Initial Period	Fee	Overpay
BTL 2-yr fixed 60% LTV	6.19%	2 years	£1,495
BTL 2-yr fixed 75% LTV	6.44%	2 years	£1,495
BTL 5-yr fixed 60% LTV	4.51%Best	5 years	£1,495
BTL 5-yr fixed 65% LTV	4.67%	5 years	£1,495
BTL 5-yr fixed 75% LTV	4.91%	5 years	£1,495
HMO 5-yr fixed 65% LTV	5.07%	5 years	£1,995
Multi-unit block 65% LTV	5.27%	5 years	£1,995
Ltd company BTL 5-yr fixed 65% LTV	4.84%	5 years	£1,995
Standard Variable Rate	8.64%	Ongoing	None	-

The Mortgage Works Product Transfer Rates

Product transfers - rates indicative; DBF will confirm current availability. Cashback via DBF, not available direct.
Product Transfer Option	Rate	Initial Period	Fee	Cashback
The Mortgage Works 2-yr fixed PT (same LTV band)	6.14%	2 years	£0	Cashback available
The Mortgage Works 5-yr fixed PT (same LTV band)	4.44%	5 years	£0	Cashback available
The Mortgage Works PT + borrow more (residential)	4.51%	5 years	£595	Cashback available

About The Mortgage Works Mortgages

The Mortgage Works (TMW) is the specialist buy-to-let and let-to-buy arm of Nationwide Building Society. As one of the UK's largest dedicated BTL lenders, TMW offers a comprehensive range of buy-to-let products backed by Nationwide's financial strength and commitment to the landlord market.

The Mortgage Works suits landlords from first-time investors to portfolio professionals. They offer limited company BTL products, HMO mortgages, and multi-unit block finance, and their connection to Nationwide means competitive pricing and reliable service. They're particularly strong for landlords seeking long-term fixed rate security.

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Get your The Mortgage Works rate comparison

Tell us about your mortgage and we will compare The Mortgage Works's current rates against the whole market - free, fast and with no obligation.

0204 6211776

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FAQs

Frequently asked questions

What are The Mortgage Works’s current mortgage rates?

The Mortgage Works’s current rates start from 4.39% on a 5-year fixed at 60% LTV for residential borrowers. Rates rise to 6.09% or above for higher LTV tiers and specialist products. All rates shown are indicative and reviewed monthly by DBF - contact us to confirm today’s live rates.

What is The Mortgage Works’s Standard Variable Rate (SVR)?

The Mortgage Works’s SVR is currently 8.64%. This is the rate you revert to when your fixed or tracker deal expires. DBF strongly recommends arranging a new fixed rate before this happens - the SVR is almost always more expensive than any new deal available.

Can I get cashback on a The Mortgage Works product transfer through DBF?

Yes. Eligible The Mortgage Works mortgage holders renewing through DBF can receive cashback on their product transfer. This is not available if you apply direct to The Mortgage Works. Contact DBF at least 3 months before your current deal expires to ensure we can secure the best rate and arrange cashback.

Is The Mortgage Works right for me, or should I switch lender?

That depends entirely on your circumstances. The Mortgage Works may offer the best rate for your profile - or a different lender in our panel of 130+ may beat them. DBF will compare the whole market and recommend the best option, whether that’s staying with The Mortgage Works or switching to a competitor.

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