Switch your mortgage deal online

Switching your mortgage doesn’t have to be a challenge. Our Online Mortgage Switcher lets you:

  • Check our current rates
  • Shortlist mortgages you’re interested in
  • Compare mortgage rates, features and repayments
  • Apply to switch your mortgage deal.

The Online Mortgage Switcher is available 8am to 11pm, seven days a week.

You may not be able to access the Online Mortgage Switcher using a mobile phone or a tablet. If you don’t have access to a desktop or a laptop, download our paper application form, or call us, and we can post you one.

Log in to Online Mortgage Switcher

If you have problems logging in, check you’ve entered your details correctly, or contact us for help.

You can also see our switcher rates (PDF) without logging in.


To switch your mortgage deal, you’ll need to check you:

  • Don't have a further advance application to borrow more in progress.
  • Are not subject to a Bankruptcy Order or Individual Voluntary Arrangement (IVA).
  • Have a mortgage balance that is more than £1,000.
  • Have more than two years remaining on your mortgage term.
  • Don't have any arrears on your mortgage.

No affordability or credit checks are done as part of your application.

If your circumstances have changed and this affects your eligibility, for example, your portfolio is now less than 10 properties, contact TMWDirect@themortgageworks.co.uk. Please include your account number and the reason for your email.

When can you apply to switch?

When your new mortgage deal starts

Before you switch

Apply to switch

After you switch

We’ll send you a confirmation letter with the details of your new mortgage and the monthly payments.

You should get this letter in the first 5 working days of the month after the switch has completed.

What happens if you don’t switch

Once your current mortgage deal has ended, you’ll automatically move on to your follow on rate.

Your follow on rate is variable, and will reflect changes in general interest rates, the law, regulation, or changes in our costs. It has no upper limit or cap.

It isn't linked to the Bank of England base rate.

We’re here to help

If you’ve got a question about switching your mortgage, give us a call:

Contact us

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 one at www.unbiased.co.uk.