The Mortgage Works Avis 

SHOCKING

have used them before for BTL mortgages and asked them to fund a BTL purchase.

After survey (which I paid for!) they advised they could not lend on the property as the Purchase price agreed was below their valuation... Yes you read correctly. they refused to lend as the price I had agreed with seller, via estate agent, was less than the Mortage works/Nationwide consider the property is worth

I challenged this to be told it was their policy. When asked for their policy I was told they would not provide it

Seems Nationwide is participating in price fixing or trying to control a free market economy. Surely if a seller and buyer, who have no prior connection and did all negotiations via an estate agent, agree a price, that price is acceptable. Why does nationwide think it knows better. If their valuation was less than the agreed price, I could understand it, but it wasn't!!! it was more!

Shoddy service, trying to price control and preventing free market operation.

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TMW/Nationwide have replied with some useless "o we care" but no explanation other than hiding behind an unknown policy! What happened to honesty and transparency? How can a mortgage company be allowed to control market pricing?
This is a silly situation! If the property was worth less, fine but it was apparently worth more! Can someone in TMW/Nationwide please clearly explain to me the logic and policy on why you will not lend if the purchase price is less than the market value and why you think you can control the buyer-seller relationship?

straight forward mortgage application, and an quick mortgage offer received. A variety of fee options with choices of free valuations, although your rates do increase with the offers of free valuations so indirectly you pay, but its your choice. The bonus is you don't pay mortgage advisor fees which are upwards of £400, but you need to know what you want with regards rates,arrangement fees and term. All in all one of the easiest mortgage companies to deal with with some excellent offers.

Misadvised repeatedly over mortgage terms.
Late advice of fixed period ending.
Delayed migration to new product because of the above.
Complaint takes weeks to gain response to.
Complaint upheld and then compensatory interest rebate withdrawn!

I would expect the Nationwide to be a lot better than this.

excellent service by Beth

There answer all the questions I as at the time

Excellent support, good communication and all helpful to progress things.

Tilly was fantastic to speak to her communication was fast and she was very clear in everything discussed. We will definitely be asking for her in the future

Beth Carter was extremely attentive and efficient, she was a pleasure to deal with and ensured the process ran smoothly.

Frankie was professional and friendly throughout, the whole transaction from initial enquiry to valuation and final offer, was a very quick and smooth process.

Neil is a great ambassador for The Mortgage Works.
He is knowledgeable,thorough and helpful.
A joy to deal with.

Very helpful, friendly and knowledgeable staff made for a seamless process.
Pleasure using you again.

Neil at the TMW was superb and consistently professional. Clear and direct with what will work and won’t doesn’t and exceedingly patient.

Natasha has been excellent throughout our Buy-to-Let remortgage process. She is professional, knowledgeable, responsive, and always happy to answer questions. Her guidance made the whole process straightforward and stress-free. I really appreciated her efficiency and clear communication, and I would highly recommend her services to anyone looking for mortgage advice.

A most helpful person you could wish to have on your team

I needed a further advance and the process was personally and professionally handed from start to finish with Ben and Patrick. Couldn’t have asked for better.

Everything worked quickly and efficiently.

So far the process has been very simple and everybody has spoken to has been fairly helpful

Daniel Morris was patient and easy to deal with

So The Morgage Works, I have three properties with this company and I must say they are brilliant so so easy on renewals and very competitive rates. The team are also extremely helpful nothing is to much trouble I can not recommend them enough please please please give them a try you have nothing to lose and everything to gain.