TMW Online Mortgage Switcher

PLEASE NOTE: If you’re a mortgage broker completing a switcher application on behalf of your clients, you must use TMW Online

Switch your mortgage deal online

If you already have a mortgage with us and you’re eligible to switch, simply log in to the Online Mortgage Switcher. You’ll then be able to:

  • Compare your current mortgage with our latest offers
  • Shortlist the mortgages you’re interested in and compare rates, features and repayments
  • Switch your deal online in minutes

Our Online Mortgage Switcher is available between 8am and 11pm, seven days a week.

Be aware – switcher dates

You can switch your mortgage up to six weeks before your mortgage deal is ending, although the new rate won't take effect until the current deal expires.

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.

Date new deal applies from Earliest acceptance date Last acceptance date
1 August 2020 19 June 2020 27 July 2020
1 September 2020 20 July 2020 27 August 2020
1 October 2020 19 August 2020 26 September 2020
1 November 2020 19 September 2020 27 October 2020
1 December 2020 19 October 2020 26 November 2020
1 January 2021 19 November 2020 27 December 2020
1 February 2021 19 December 2020 27 January 2021
1 March 2021 19 January 2021 24 February 2021
1 April 2021 19 February 2021 27 March 2021

Need advice?

If you’d like some advice on the options available to you, please contact an independent financial adviser (IFA). If you don't have an IFA, you can find an adviser on

If you'd like an IFA to speak to us on your behalf, you'll need to provide your authority. If you'd like an IFA to apply on your behalf, they'll need to use the intermediary version of the Online Mortgage Switcher.

How do I apply?

You’ll need to login to the Online Mortgage Switcher, then enter the following details to start the process:

  • Your mortgage account number (you'll find this on your mortgage statement)
  • Your date of birth
  • The sort code of the bank or building society from which your mortgage direct debit is taken. If you don't pay by direct debit, you can use your exact last payment amount.

Please note:

  • The Online Mortgage Switcher is available for use between 8am and 11pm, Monday to Sunday.
  • If you experience difficulties with the Online Mortgage Switcher, please try an alternative browser such as Internet Explorer.

Alternatively, you can switch using our application form. Complete the form and send it to: The Mortgage Works, Portman House, Richmond Hill, Bournemouth, BH2 6EP. We'll then send an offer to you, which you'll need to sign and return. You can have a broker involved, but this is not necessary.

What happens once I’ve logged in?

Follow the steps below to find out how to switch your mortgage using the Online Mortgage Switcher.

What happens once I’ve logged in?

Our Online Mortgage Switcher FAQs can help if you’ve got any questions.

Mortgages are secured on your property. You could lose your property if you do not keep up payments on your mortgage.