In 2026, mortgage advisers within the HLPartnership network will see close to 50,000 client mortgage deals, worth around £10 billion, come to an end. These are two-year and five-year fixed rate products due to mature within our members’ client banks alone, creating one of the largest single-year refinancing opportunities in recent history.
Handled well, this surge is not just a commercial opportunity. It is a chance to deliver consistently good consumer outcomes by ensuring every client is supported with timely, relevant, and personalised advice at a potentially critical point in their financial journey.
Why 2026 Will See a Surge in Maturities
The spike is being driven by two distinct groups of borrowers.
First are the two-year fixed rate borrowers from 2024. Many chose shorter-term deals in anticipation of possible changes to interest rates.
Second are the five-year fixed rate borrowers from 2021. This group locked into longer-term rates during a period of historically low interest rates.
Both groups will reach the end of their terms in 2026. The convergence of these maturities will create an unusually high number of client touchpoints in a single year, providing advisers with multiple opportunities to help clients review their circumstances and make informed decisions.
Market Context and the Importance of Adviser Guidance
The mortgage market in 2026 is likely to remain competitive but influenced by economic and regulatory developments.
Consumer Duty will be fully embedded. The Financial Conduct Authority will expect advisers to consistently deliver good customer outcomes and to provide evidence that recommendations represent fair value and are in the client’s best interests.
Lender product innovation is expected to continue. This could include longer fixed terms, green mortgages, and more flexible features to help with affordability. Advisers will play a vital role in matching the right products to each client’s needs and circumstances.
How Advisers Can Turn 2026 into a Year of Client Value and Business Growth
The scale of the 2026 maturity wave presents a unique opportunity to support clients at a pivotal stage, strengthen relationships, and demonstrate the value of professional advice.
Engage clients early. Contact clients at least six to nine months before their maturity date to review their circumstances, assess affordability, and explain the options available. This ensures they have the time and information needed to make confident decisions.
Use technology to provide a structured service. A well-designed CRM can identify upcoming maturities, track communications, and ensure every client receives consistent and timely engagement.
Offer holistic reviews. A mortgage maturity is the ideal moment to consider wider financial needs, such as protection, general insurance, or funding for home improvements, ensuring the advice covers the client’s overall situation.
Demonstrate value under Consumer Duty. Every interaction should focus on delivering advice that is personalised, well-explained, and supported with clear evidence of why it meets the client’s objectives and offers fair value.
Turning 2026 into a Year of Client Value, Business Growth – and Client for Life Relationships
The scale of the 2026 maturity wave presents a unique opportunity to support clients at a pivotal stage, strengthen relationships, and demonstrate the value of professional advice. This is also the moment to think long-term, transforming a maturity date into the start (or continuation) of a lifetime relationship.
Engage clients early – Contact clients at least six to nine months before their maturity date to review their circumstances, assess affordability, and explain the options available. This ensures they have the time and information needed to make confident decisions.
Use technology to provide a structured service – A well-designed CRM can identify upcoming maturities and ensure every client receives consistent and timely engagement.
Offer holistic reviews: A mortgage maturity is the ideal moment to consider wider financial needs, such as protection, general insurance, or additional needs based on the clients goals, ensuring the advice covers the client’s overall situation.
Embed Client for Life principles: Go beyond the immediate transaction. Establish annual review meetings, maintain regular personalised communication, and proactively update clients on market developments. By positioning yourself as their long-term adviser, you not only protect your client base from competitors but also build recurring business through remortgages, future purchases, and additional financial services.
Demonstrate value under Consumer Duty: Every interaction should focus on delivering advice that is personalised, well-explained, and supported with clear evidence of why it meets the client’s objectives and offers fair value.
HLPartnership Support – Helping Members Deliver for Clients
HLPartnership members will have access to the tools, guidance, and resources needed to ensure clients experience a smooth, well-supported maturity process that meets regulatory expectations and promotes trust with Client for Life at its core.
- CRM tools to identify and manage upcoming maturities efficiently, with prompts for post-maturity follow-ups.
- Compliance-approved marketing campaigns to prompt timely and relevant client conversations before and after maturity dates.
- Training and events focused on client retention, lifetime relationship building, and delivering good consumer outcomes under Consumer Duty.
- Access to a wide lender panel to ensure product recommendations are competitive and suitable for each client’s needs.
Our goal is to help members use this maturity wave to strengthen client relationships, secure repeat business, and deliver the kind of service that stands up to both client and regulatory scrutiny – not just for the next deal, but for the client’s lifetime.
The Time to Prepare is Now
Although 2026 may feel some way off, the advisers who start planning now will be in the strongest position to protect their client base, meet regulatory expectations, and grow their business.
With close to 50,000 client mortgage deals worth £10 billion maturing within HLPartnership member firms alone, the scale of the opportunity is clear. By acting early and putting clients at the centre of the process, advisers can make 2026 a year that delivers for both their business and their customers.
If you would like to discover how HLPartnership can help you prepare for 2026, protect your client relationships, and deliver outstanding consumer outcomes, contact our recruitment team today.
