The Mortgage Works Avis 

Beth Carter dealt with my application from start to finish; she explained and clarified any questions I had as well as ensuring I was kept up to date with the progress of my application. I knew exactly who to contact and she responded promptly to my emails. Thank you

I received lots of information regarding further borrowing and new mortgage application. Nazim was very kind and patient with me. He made it so easy and I am very happy with the service that he provided to me.

TMW have been really painful to deal with. They got in a spiral about an incredibly common and minor issue during conveyancing. Having referred the issue for more consideration (twice, as you do), their ultimate internal recommendation is that the issue is very low risk and the mortgage should proceed. This had all taken a while so they were warned that £tens of thousands would be lost if completion was missed. They assured our broker that the monies would arrive in time for completion, but also repeatedly advised us to raise escalations to bring it to the front of the queue just to be sure. Sounds like good service after a painful blip?

Nope. TMW’s internal SLA deadlines to endorse their own recommendation (?) to proceed have passed. As things stand, the mortgage is stuck, all escalations were ineffectual, and the deadline was missed. They have also now changed position: they told us that the original timings they assured us of were wrong, and escalating makes zero difference to the timeline because it is impossible to contact the approval team. So they have a team who no one is allowed to email, Teams or call, and an escalation process which escalates nothing.

Three different conveyancing lawyers and our broker are all staggered at how badly this has been handled. There are some nice staff at TMW who say they will try to help but they have zero power to actually do so. Nice is not enough - you need to actually make things happen.

By way of comparison, we have been told by multiple advisors that other lenders in the market resolve escalations within 24 hours. 24 hours. TMW have had this for weeks. I asked a conveyancer who was not involved in any of this for advice. She interrupted me and said that TMW are “exasperating” to deal with and “make up their own rules” as they go along.

TMW’s fee for this mortgage is £1,495.

He was such a pleasant man honestly speaking me and my mrs very comfortable during the whole time . He was very very helpful person

Richard has been excellent and very helpful. Always responds to emails fast and efficiently.

Excellent phone session with a very helpful mortgage consultant, that allowed me o get a decision in principle.

Great overall experience, hassle free discussion and straightforward appointments

TWM are a million miles ahead of others in terms of supporting customers and being available, not like other lenders where you have to wait for weeks for initial appointment and then weeks for applications

Tilly Lovegrove supported me with the application, she has a very good approach of making the application feel easy and taking the stress out of the complicated process.

Pretty good. The only frustrating thing is when you have multiple applications at the same time it’s very difficult to get the system to accept downloaded files and documents to each application when it’s the same document for each application. This is causing delays.

Very good experience with Oliver Faulkner, he was clear and concise in explaining the detail of the mortgage and very helpful with answering our questions.

It was a really straight forward process to apply for a buy to let mortgage with the Mortgage Works. My consultant Beth Carter was easy to work with and kept me up to date at each stage. It only took a few weeks to get my mortgage offer through from my first appointment.

Out of all the lenders on the market I feel TMW is the most efficient and easy to use. And also they have very competitive prices which makes overall experience great.
Stephanie and Ben both made it very pleasant venture too! Thanx

Great service, very detailed and thorough

Nazim Uddin was absolutely amazing, he was so thorough and explained everything really well. Make my first experience really great

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