The Mortgage Works cuts buy-to-let rates by up to 0.15%

Reductions apply to both new business and existing customer product ranges.

Related topics:  Buy-to-let,  the mortgage works
Rozi Jones | Editor, Financial Reporter
16th January 2026
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The Mortgage Works is cutting rates by up to 0.15% on selected two, three and five-year fixed rate products across its mortgage range for new and existing customers.

Available from tomorrow, limited company buy-to-let rate reductions include five-year fixed rates down to 4.02% with a 5% fee at 70% LTV, 4.44% at 75% LTV with a 3% fee, and 4.89% at 75% LTV with a £1,495 fee. All products come with a free valuation.

In its existing customer switcher range, reduced rates include a two-year fixed rate at 2.72% with a 3% fee, 4.25% with no fee, and 3.54% with a 3% fee, all available up to 65% LTV.

Keir Fraser, lead manager at The Mortgage Works, said: “We are always looking for ways to offer landlords our best range of products, so we’re delighted to be able to start the year with rate cuts for new and existing customers across our mortgage range.”

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