Is The Mortgage Works a good mortgage lender?

We're looking at public complaints data to estimate The Mortgage Works’ quality of service

There were 918 complaints from The Mortgage Works mortgage customers between July and December 2019. 

That’s around 0.03% of customers and is lower than the 1.06% average across major lenders.*

The Mortgage Works scorecard:

  • The Mortgage Works is good for buy to let customers

  • The Mortgage Works offers mortgages with up to an 80% LTV

  • The Mortgage Works does not offer residential mortgages

*The number of customers this lender serves is not available to the public. This figure is an estimate based on market share and average house price in the UK.

How long a The Mortgage Works mortgage application takes

In the last 6 months it took The Mortgage Works an average of 32 days to process mortgage applications from Trussle customers.* 

That’s 12 days slower than the 20 day average across all the lenders we’ve submitted applications to.

What affects the time taken to approve my application

The time it takes a lender to approve an application depends on your personal circumstances and how busy the lender is.

It can take as little as 24 hours to approve some applications but some can take weeks or even months.

The quality of the application can affect the approval time. A mortgage broker can help by making sure your application has all the details the lender needs.

*These details were last updated in October 2020.

How much you can borrow from The Mortgage Works

The Mortgage Works will apply a stress test based on what you’d earn from renting your property out. 

They’ll use this to decide how much you could borrow.

How much you can borrow will also depend on your:

  • credit history

  • debts

  • deposit

  • regular expenses and bills

  • age

See how much you might be able to borrow with our mortgage calculator.

Types of mortgages The Mortgage Works offers

The Mortgage Works offers mortgages for people looking to rent out their property.

They offer:

The Mortgage Works also offers mortgages for people with large buy to let portfolios. 

This means that customers with 10 or more properties can choose from The Mortgage Works’ Large Portfolio product range. 

Getting a The Mortgage Works mortgage

The Mortgage Works offers are valid for 6 months.

This gives you 6 months to complete the purchase of your property. If there are any delays, you may need to reapply or ask for an extension.

The Mortgage Works mortgage payments

If you have a fixed rate mortgage, you’ll have an overpayment allowance of generally up to 10% each year. Overpayment allowances can vary across different The Mortgage Works mortgage products.

You may be charged if you pay more than your set allowance. Check your mortgage offer to find out more.

If you are not able to make an The Mortgage Works mortgage repayment for whatever reason, you can discuss your options with your mortgage broker or directly with The Mortgage Works - they’ll go through the payment options available to you.


The Mortgage Works will require that you get buildings insurance to cover the property they’re investing in.

Looking at pictures

Get a mortgage with Trussle today

  • Our remortgage customers save an average of £171 a month*

  • Trussle is fee-free for most customers**

  • 5-star Trustpilot rating from over 5,000 reviews

  • 12,000 mortgage deals from 90 lenders

  • Skip the paperwork: apply online any time

*The savings figure is from Trussle mortgage customers in September 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

What people are saying about Trussle...


Deal and rate data sourced by Trussle. All other information sourced from The Mortgage Works website, unless referenced below.

¹ UK Finance

² Financial Conduct Authority