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 (OMS). 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 OMS is available between 7am 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 February 2019 20 December 2018 27 January 2019
1 March 2019 17 January 2019 24 February 2019
1 April 2019 17 February 2019 27 March 2019
1 May 2019 19 March 2019 26 April 2019
1 June 2019 19 April 2019 27 May 2019
1 July 2019 19 May 2019 26 June 2019
1 August 2019 19 June 2019 27 July 2019
1 September 2019 20 July 2019 27 August 2019

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 OMS.

How do I apply?

You’ll need to login to the OMS, 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 OMS is available for use between 7am and 11pm, Monday to Sunday.
  • If you experience difficulties with the OMS, please try an alternative browser such as Internet Explorer.

What happens once I’ve logged in?

Follow the steps below to find out how to switch your mortgage using the OMS.

What happens once I’ve logged in?

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