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She began her career as a model and in 1995 won the part of Ruth Osborne in the British soap opera, Hollyoaks. After leaving Hollyoaks in 2001, she participated in the Channel 4 reality tv show, The Games and went on to win a gold medal.
In 2003, she briefly returned to Hollyoaks and also became a regular presenter on the ITV1 programme Loose Women (2003–2006). In 2005, she joined the cast of Grange Hill, playing the part of school teacher, Miss Adams. In June, 2006, Terri helped ITV Play launch a new show: Rovers Return Quiz Night. She was one of the main presenters on the programme, alongside Paul Hendy.
Dwyer left ITV Play in June 2006, after accepting the job as main presenter on ITV's 60 Minute Makeover, taking over from fellow Loose Women star Claire Sweeney who left to join a theatre production. Terri has since left the show as part of a cost-cutting exercise by ITV.
Dwyer also made a guest appearance on popular comedy Bo' Selecta in 2002.
Not widely publicised, Dwyer also starred in a one off episode (Episode 12) of the series Mile High. Dwyer plays the role of a passenger within a group of people who share a fear of flying. She encounters an intimate moment with the character Captain Croker. Dwyer's character seduces the Captain onto the beach where she strips to her underwear and swims to a remote beach, where he shortly follows. It is implied that the two characters attempt to have sex, but fail due to the Captain's inability to "get it up".
Terri has recently being regularly reviewing the newspapers on ITVs This Morning.
Terri has an older sister Tina, an older brother Tony and a younger brother, Terry. Her mother, Doreen died of ovarian cancer in 1996, and her father Tony died of stomach cancer in 2003. Terri nearly died in a car crash in 1991. Dwyer married Sean Marley at Dalmeny village church, City of Edinburgh, on 5 September 2004. Dwyer gave birth to her first child, a son named Caiden Ajay Marley in Birkenhead, Merseyside, on 1 March 2006. Terri gave birth to her second son, Kylan Jones Marley on 3 November 2009. She nearly missed her own wedding as she was stuck in traffic.