Switch your mortgage deal online

You can apply to switch:

• If your current mortgage deal is ending within 13 weeks.
• If your current mortgage deal has already ended.
• If your mortgage has the ‘Switch to Fix’ feature.

At any other time you might be able to switch, but you may have to pay an Early Repayment Charge, and you’ll need to contact us to switch.

You can apply to switch:

• If your current mortgage deal is ending within 6 weeks.
• If your current mortgage deal has already ended.
• If your mortgage has the ‘Switch to Fix’ feature.

At any other time you might be able to switch, but you may have to pay an Early Repayment Charge, and you’ll need to contact us to switch.

When your new mortgage deal starts

We’ll confirm the date your switch will take place when you accept the offer.

If you accept your offer at least 5 days before your mortgage product ends, you'll move to your new rate when the product ends.

Please be aware that for your new mortgage deal to become effective by the 1st of the following month, your offer will need to be accepted by the dates in the table below. Any applications started in the last 5 days of the month won’t become effective until the 1st of the month after.

When your new mortgage deal starts

We’ll confirm the date your switch will take place when you accept the offer.

If you accept your offer at least 5 days before your mortgage product ends, you'll move to your new rate when the product ends.

Please be aware that for your new mortgage deal to become effective by the 1st of the following month, your offer will need to be accepted by the dates in the table below. Any applications started in the last 5 days of the month won’t become effective until the 1st of the month after.

When you first log in to the Online Mortgage Switcher, you’ll be asked for:

• Your date of birth.
• Your mortgage account number. You can find this on your mortgage statement.
• The sort code of the account that your mortgage direct debit is paid from. If you don't pay by direct debit, you can use your exact last payment amount.

So you know

You won’t be able to change your term length or repayment method at the same time as switching your mortgage deal. Contact us if you’d like to discuss changing either of these.

You can’t increase your loan as part of the switch. Find out about borrowing more.

We’ll automatically estimate your property value to establish your latest loan to value. If you believe the valuation is incorrect, you can email TMWDirect@themortgageworks.co.uk to appeal the valuation.

You’ll need to tell us:

• The Mortgage Works account number
• Customer name
• Contact telephone number
• Security address
• Property value
• I can confirm that I would like to request a valuation appeal.

After that, we’ll contact you for more details. This may include information about structural or cosmetic work on the property. We may ask for evidence, such as photos, planning permission and completion certificates.

If you’re unhappy with the valuation after appeal, you can pay for a valuer to visit the property for a physical inspection.

1. Choose your mortgage

When you log in to the Online Mortgage Switcher, you’ll need to decide whether to add the product fee (if there is one) to your loan, or pay it upfront. Remember, if you add the fee to the loan, you’ll be paying interest on it.

If you pay the product fee by credit card, you may have to pay an additional fee from your credit card provider. Contact them for more details.

We’ll automatically estimate your property value to establish your latest loan to value. If you believe the valuation is incorrect, you can contact us to arrange and pay for a revaluation.

Once you’ve selected the mortgage you’d like, you can create an offer which shows all the important features, and any fees you’ll need to pay.

The offer is valid for 3 weeks, but you won’t be committed until you’ve accepted the offer and paid any product fee.

2. Apply to switch

If you are happy with the mortgage deal you’ve chosen, make sure you print off or save the offer before you accept it.

You won’t be credit scored as part of your application.

When you choose Accept, we’ll let you know when your new mortgage deal will begin.

You’ll then be asked to pay the product fee (if there is one), unless you have chosen to add it to the loan.

Then you’re all done! We’ll show you confirmation that you’ve completed your online switch application, and your new mortgage deal will begin on the date shown on the offer.

3. Switching multiple sub loans 

If you have multiple sub loans due for renewal within the same 13 week window, there are options for how you can switch.

If the end dates for your sub loans are the same, you can switch them using the online portal.

Note: If the end dates for your sub loans are different and you switch them using the online portal, the new rate will not apply for any of the sub loans you switch until the latest end date. Any loans ending before that date will move onto our Standard Mortgage Rate (SMR) until your new rate begins.

If the end dates for these loans are different, we recommend you switch one using the portal. To switch the rest, send an email.

In the email, you’ll need to:

• Include “Sub loan switching” in the subject line
• Tell us your name, contact telephone number, and security address
• Tell us your Mortgage Works account number
• Tell us which product you want to switch to
• Include the phrase “I can confirm that I would like to request a product switch.”

Note: By obtaining a separate offer on some of the sub loans, the same product and terms may not be available and additional fees may apply. It can take up to 5 working days for your offer to be produced, and we’ll contact you once it’s ready.  If you’re happy to proceed, you’ll need to give us a call to accept it.

You can check current switcher rates on our DHLL switcher guide and E-Mex switcher guide.

Fill out the relevant application form below, and send it to tmwdirect@themortgageworks.co.uk

• DHLL residential application form
• DHLL Buy to Let application form

• E-Mex residential application form
• E-Mex Buy to Let application form

We’ll do our best to bring you onto your new rate in time for your first payment, though that might not be possible if it’s due within the first seven working days of the month. In this case, we’ll simply collect your first payment at the Managed Rate. Then the following month, we’ll change your payment to your newly switched rate, adjusting it to make up for any overpayment made in that first month.

If you want to avoid this, you can push back your regular Direct Debit payment date to later in the month. This gives us enough time to move you on to your new rate. Please let us know by the 10th of the month.

Call us on 0345 606 40 60. Lines are open 8am to 6pm, Monday to Friday and 9am to 2pm on Saturday.