Welcome to The Mortgage Works

Step 1 - Check eligibility

Before beginning your application, you must check you've met the following eligibility criteria:

• You're not subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA)
• Your current mortgage balance isn't less than £1,000
• You have more than two years remaining on your mortgage term
• Your mortgage must be clear of arrears.

Step 2 - Choose your mortgage

Download our latest E-Mex switcher guide to find a mortgage to switch to

Step 3 - Complete your application

You will need to fill out the relevant application form below, before sending the completed form to tmwdirect@themortgageworks.co.uk.

• For Residential customers, please complete the Residential application form
• For Buy to Let customers, please complete the Buy to Let application form

Step 4 – Receive your mortgage offer

Once we receive the application, we will check your eligibility and post an offer for the mortgage you have selected.

Step 5 – Completing the product switch

Sign and return the acceptance form to us and we will switch your mortgage to the new product.

Further Information

Product switches always take effect from the 1st of the month. Switcher applications must be submitted and accepted at least 5 days before this. After this time, the new deal won’t apply until the 1st of the following month.

The table below shows the dates that an application can be submitted and accepted, in order to apply from the 1st of the following month.

Important information for payment dates that fall within the first seven working days of the month

To comply with regulations, we must provide you with notice of your new payment before we collect it from your bank or building society. This means if your monthly payment is due within the first seven working days of the month, we won’t be able to tell you your revised monthly payment before your first payment is collected after your mortgage switch.

Therefore, the first payment due following your product switch will be at the follow-on rate detailed in the terms of your existing mortgage. We’ll then adjust the following months payment to reflect any under or overpayment you made in the first month.

To avoid this, you can change your monthly payment date to later in the month by calling us on 0345 606 40 60.

If you’d like professional advice on the options you have with your mortgage or your circumstances have changed, then please contact an independent financial adviser. You can search for an adviser local to you at unbiased.co.uk

We want you to be aware of the circumstances when you may incur a fee for the administration of your mortgage.

View our Mortgage tariff guide.

If you’re having financial difficulties and are unable to make your mortgage payments you should contact us as soon as possible so we can help you.

Please call us on: 0800 212 508.

Our lines are open 8am to 6pm, Monday to Friday and 9am-12pm Saturday.

When you call us please have your Mortgage Account Number to hand.

Please see our dedicated overpayments page for more information.

Make an overpayment