The Mortgage Works makes further cuts to buy-to-let rates

The lender's lowest buy-to-let rate now stands at 2.29%.


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Friday 23rd January 2026

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The Mortgage Works is cutting rates by up to 0.20% on selected one, two and five-year fixed rate products across its new business mortgage range. TMW's lowest buy-to-let rate now stands at 2.29%.

This is the second time in a week that The Mortgage Works has cut rates, following reductions of up to 0.15 percentage points last Saturday (17th January).

Available from tomorrow, new rates include a one-year fixed rate at 75% LTV, down to 2.29% with a 2% fee, and a two-year fix at 65% LTV reduced to 2.49% with a 3% fee. Both products are available for purchase and remortgage.

In its remortgage-only range, a two-year fixed rate has reduced to 2.84% and a five-year fix is decreasing to 3.57%, both available up to 75% LTV with a 3% fee, free valuation and free legals.

Keir Fraser, lead manager at The Mortgage Works, said: “This second round of rate cuts further demonstrates our commitment to supporting landlords with products that put The Mortgage Works at the forefront of the buy-to-let market.”

Rozi Jones - Editor, Financial Reporter

Author:
Rozi Jones Editor, Financial Reporter
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