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The Mortgage Works Reviews 

2,805
TrustScore 4.5 out of 5

4.6

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Review summary

Created with AI, based on recent reviews

Considering 695 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, professional, and patient throughout the entire mortgage process. People also deeply appreciate the quick response times and clear communication, which make complex applications feel completely straightforward and manageable. However, some customers also noted frustrating delays, poor communication, and unhelpful interactions with certain staff members. A few reviewers experienced administrative confusion between different teams and perceived a noticeable lack of proper guidance during their applications. These individuals felt that the support provided fell short of expectations, leading to unnecessary stress and complications.

What people talk about most

Staff

Users describe positive interactions with staff, praising advisors for being helpful, professional, and... See more

Service

Clients share positive opinions on service, noting that staff make the application process straightforward,... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting professional and genuinely helpful... See more

User experience

Customers had positive experiences with user experience, finding the mortgage application process simple,... See more

Response time

Reviewers highlight positive aspects of response time, consistently noting prompt replies and smooth... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I have a mortgage with the company and this was a further borrowing application. Jake Scane was helpful calm and went through all my options and rates etc and there was no pressure. He had emailed me... See more

Company replied

Rated 5 out of 5 stars

Tilly was incredibly helpful and was fantastic right from our very first conversation. She gave clear, honest information, was really easy to talk to. Even with just one call, I already feel confident... See more

Company replied

Rated 5 out of 5 stars

I spoke to two people. The first to discuss my eligibility for a mortgage product that I found online and then the second being the consultant later on that day. Both were clear, succinct and patient... See more

Company replied

Rated 5 out of 5 stars

Laura McBurney was amazing! She was able to help me complete all the information by telephone because I am very bad at technology and I didn't have access to a computer. Laura was very patient an... See more

Company replied


Company details

  1. Mortgage Lender
  2. Financial Institution

About The Mortgage Works

Written by the company

The Mortgage Works is the buy to let lender of Nationwide Building Society.

Whether you’re looking to purchase a new property, want to remortgage or need to borrow more, we’ve got a range of products and specialist staff to support you with your mortgage.

We’ve been providing buy to let mortgages since 1988, so you can be sure your mortgage will be with one of the most experienced lenders in the business.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

3K reviews

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4.6

All reviews

(2,805)

678 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars
The Mortgage Works logo

Reply from The Mortgage Works

We're so glad to hear that our help and support met your expectations. We truly appreciate your kind words.

Rated 5 out of 5 stars

Polite, professional and informative.

An excellent service. I dealt with a gentleman called Nazim Uddin who was polite, helpful and very professional.

21 July 2026
The Mortgage Works logo

Reply from The Mortgage Works

We're happy to hear that the service was excellent! We appreciate you acknowledging the politeness, helpfulness, and professionalism of our team.

Rated 4 out of 5 stars

Good service was delivered by the all staff

There was a delay in the process, which was probably caused by a bereavement in my family

22 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We are truly sorry to hear about the difficult time you have been experiencing. We understand that personal circumstances can impact many aspects of life, and we deeply regret any additional stress our process may have caused during such a sensitive period. We are committed to improving our services and appreciate you bringing this to our attention.

Rated 5 out of 5 stars

I been a landlord for over 20years

I been a landlord for over 20years. I have used most lenders but I can tell you for my experience that The mortgage works is one of the more straight forwards lender,for buy to let. I have dealt before with Scott Miranda and Nazim Uddin. This 2 agents from Nationwide make your mortgage process so effortless that make you feel you want to have them working as your letting agency. Haha. They are helpful, passionate about their job, friendly, no mess about not all this drama downloading stuff in the app with a passcode that doesn't work. Send a message and wait for ages for a reply. You will not have that with. This guys knows their job and your needs no mess about. I score them both 100 stars if I could. Boss give a pay increase to this guy's we keep comeback and do business with you because they are the amazing.

18 July 2026
Unprompted review
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Reply from The Mortgage Works

We are so pleased to hear about your excellent experience with our team, especially with the individuals you mentioned. It's wonderful to know that our straightforward approach and dedication made your mortgage process effortless. We truly appreciate your kind words and your continued business. Thank you for sharing your positive feedback!

Rated 5 out of 5 stars

Additional borrowing on BTL made smooth by excellent service.

I had a mortgage already with TMW and wanted to secure additional borrowing on my BTL. I thought it would be very complicated and painful, but I was so pleasantly surprised. Daniel Morris explained everything in simple english and managed the process for us so smoothly....even though there were obviously some hoops to jump through. It was a delight to have him support us through the application & would strongly recommend TMW for their mortgages and after-care.

21 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We are so pleased to hear about your positive experience with us, especially regarding your additional borrowing application. It's wonderful to know that our team was able to make the process smooth and clear for you. We truly appreciate your kind words and recommendation.

Rated 5 out of 5 stars

emails /enquiries replied to quickly…

emails /enquiries replied to quickly with all info needed.
very informative phone call which met all my needs.

20 July 2026
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Reply from The Mortgage Works

We're so pleased to hear that our team was able to provide you with such helpful and prompt assistance. Your positive feedback about our communication is greatly appreciated!

Rated 5 out of 5 stars

Found it quite interesting re all the…

Found it quite interesting re all the pros and cons your agent was most helpful but at the same time not influencing my choice 1st class.

20 July 2026
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Reply from The Mortgage Works

We're happy to hear that you found the information helpful and that our agent provided excellent assistance without influencing your decision. Thank you for your kind words!

Rated 5 out of 5 stars

Our mortgage consultant was extremely…

Our mortgage consultant was extremely professional, helpful, knowlegable and understood our requirements. Additionally, she appreciated our position and was efficiently prepared for our meeting. The whole experience was plesant, streamlined and we were left without doubt concerning the process and knowledge that we were in safe hands throughout.

20 July 2026
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Reply from The Mortgage Works

We're delighted to hear that your mortgage consultant was professional, helpful, and knowledgeable, and that they understood your needs. It's wonderful that you found the experience pleasant and streamlined, and felt confident in our support throughout the process.

Rated 5 out of 5 stars

Mortgage review

Friendly professional service
Everything well explained Sarah was very happy to answer all of my questions

20 July 2026
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Reply from The Mortgage Works

We're so pleased to hear you received such friendly and professional service! It's wonderful that everything was well explained and all your questions were answered.

Rated 5 out of 5 stars

Absolute go-to mortgage lender for…

Absolute go-to mortgage lender for buy-to-lets.

Great range of products at competitive rates.

Really like how you get one case handler that sees the whole process throughout. My case handler was Olly who was fantastic. He called when he said he would, he explained things and answered all my queries in a timely manner.

21 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We're delighted to hear that our range of products and competitive rates met your expectations for buy-to-let mortgages. It's wonderful to know that your case handler provided such excellent and consistent support throughout the process.

Rated 5 out of 5 stars

Very good experience and responsive…

Very good experience and responsive when situation changes.

20 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We're glad to hear we were responsive to your changing situation. Thank you for your positive feedback!

Rated 5 out of 5 stars

The agent explained everything clearly.

The agent explained everything clearly.
She made it very easy for me to understand.

17 July 2026
The Mortgage Works logo

Reply from The Mortgage Works

We're delighted to hear that our agent was able to explain everything clearly and make it easy to understand. Thank you for your wonderful feedback!

Rated 1 out of 5 stars

TMW's pre application risk valuers…

TMW's pre application risk valuers refused both my BTL mortgage applications based on in my opinion issues which would not materially impact their risk.
I found the experience very frustrating and left with a sense of disbelief.

13 July 2026
The Mortgage Works logo

Reply from The Mortgage Works

We're truly sorry to hear about your frustrating experience with our pre-application risk assessment. We understand your disappointment regarding the BTL mortgage application outcomes. We value your feedback and will review our processes to ensure fairness and clarity.

Rated 5 out of 5 stars

Gordon was very helpful

Gordon was very helpful

16 July 2026
The Mortgage Works logo

Reply from The Mortgage Works

We're so glad to hear that our team member provided you with such helpful assistance. We truly appreciate your kind words and positive feedback.

Rated 5 out of 5 stars

A pleasure to speak with really helpful…

A pleasure to speak with really helpful & friendly staff.
Clear & concise instructions on procedures & proceeding’s to follow

9 July 2026
The Mortgage Works logo

Reply from The Mortgage Works

We're so pleased to hear that you found our staff helpful and friendly. We appreciate your kind words about the clear and concise instructions you received.

Rated 5 out of 5 stars

Great Customer Service! The assistant Hasna Beagom was really…

The assistant Hasna Beagom was really helpful, professional and patient. She answered all of my questions and explained timelines, what was required of me to enable the paying off of my mortgage and what to expect from The Mortgage Works.

16 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We're delighted to hear about your positive experience. It's wonderful to know that our assistant was helpful, professional, and patient in answering your questions and explaining the process.

Rated 5 out of 5 stars

Great experience from beginning to end

Great experience from beginning to end. Helpful patient advisor. Made the whole process an easy task. Happy with the outcome and look forward to proceeding with purchase

7 July 2026
The Mortgage Works logo

Reply from The Mortgage Works

We're so glad to hear that you had a great experience from start to finish. It's wonderful that our advisor was helpful and patient, making the process easy for you. We're happy with the outcome and look forward to your purchase!

Rated 5 out of 5 stars

Olly was extremely helpful

This is really about Olly(employment number P509469). He went above and beyond in answering my questions even though it wasn't strictly his department. Much appreciated.

15 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We are so glad to hear about your positive experience. It's wonderful to know that a member of our team went the extra mile to assist you, even outside their usual responsibilities.

Rated 5 out of 5 stars

TMW clear info, timely responses

TMW clear about the process, timely responses. Have dealt with Olly on a number of occasions and he is friendly and professional. As a professional landlord exactly what I need.

15 July 2026
Unprompted review
The Mortgage Works logo

Reply from The Mortgage Works

We're delighted to hear that our process was clear and that you received timely responses. It's wonderful to know that our team provided friendly and professional service, meeting your needs as a professional landlord.

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