Welcome to The Mortgage Works

From 1 August 2011 The Mortgage Works (TMW) became the administrator of all Derbyshire Home Loans Ltd mortgages. You’ll have received confirmation of this change in July 2011, with details of your new account number.

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Bank of England base rate change

On Thursday 2 August, the Bank of England increased the base rate from 0.50% to 0.75%. Click here for more information.

Any questions?

Please call us on 08000 30 40 60 if there’s anything you’d like to discuss relating to your mortgage.

Our lines are open 9am to 5pm, Monday to Friday.

When you call us please have your 8-digit Mortgage Account Number to hand.

Switch to a new deal

Step 1 - Check eligibility

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

  • Your mortgage hasn't been in arrears within the last 2 months
  • You're not subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA)
  • Your current mortgage balance isn't less than £2,500
  • You have more than two years remaining on your mortgage term

Step 2 - Choose your mortgage

Download our latest DHLL switcher guide to find a mortgage to switch to


Step 3 - Complete your application

You will need to print off and complete the relevant application form below, then return it to the address on the front page.



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.


Date new deal applies from
Last acceptance date
1 August 2018
27 July 2018
1 September 2018
27 August 2018
1 October 2018
26 September 2018
1 November 2018
27 October 2018
1 December 2018
26 November 2018
1 January 2019
27 December 2018
1 February 2019
27 January 2019
1 March 2019
24 February 2019

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 08000 30 40 60.

Looking for advice?

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

Our Mortgage fees

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

Payment difficulties?

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.