Switch your client's mortgage online
It's simple to switch your client’s deal online
If your client’s already a customer with The Mortgage Works, and they’re eligible* to switch using our Online Mortgage Switcher (OMS) service, you can login to TMW Online to:
- Compare their current mortgage with our latest offers
- Shortlist the mortgages they’re interested in and compare rates, features and monthly payments
- Switch their deal online in a matter of minutes
To see our switcher products, please view our latest switcher product guide.
If your client is a DHLL or E-Mex customer and wants to switch, view our switcher guides and forms.
If you require account specific information prior to creating a switcher application, please ensure you have completed the Third Party Authority Form. The form should then be emailed to SLLand&Deeds@nationwide.co.uk or posted to the address at the bottom of the form.
Watch our switching video
Got two minutes? Watch our video where our Technical Support Team Manager, Robb Livermore, explains all the key facts you need to know about switching your client’s mortgage online.
Be aware - switcher dates
You can switch your client's mortgage up to six weeks before their 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 five 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 2020||20 December 2019||27 January 2020|
|1 March 2020||18 January 2020||25 February 2020|
|1 April 2020||18 February 2020||27 March 2020|
|1 May 2020||19 March 2020||26 April 2020|
|1 June 2020||19 April 2020||27 May 2020|
|1 July 2020||19 May 2020||26 June 2020|
|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|
What do I need to do?
You’ll need to access the OMS by following these simple steps:
- Login to TMW Online as normal.
- On the home screen select ’Switch an existing mortgage’.
- Then enter the following details to start the process:
- The first 8 digits of your client's mortgage account number
- Their date of birth.
- The sort code of the bank/building society account from which their mortgage Direct Debit is taken (if they don’t pay by Direct Debit, enter their exact last payment amount).
What happens once I've logged in?Follow the steps below to find out how to switch your client’s mortgage using our OMS service. Please view our switcher FAQs
What about procuration fees?
We’ll pay a gross procuration fee of 0.20% for new product switch applications. Full information is on our procuration fees page.