Average fixed mortgage pricing continues to move higher, with Moneyfacts data placing the typical two-year fix at 5.92%, up from 5.84% a week earlier and at its highest level for more than two years. Further repricing by major lenders has heightened the risk that clients delaying decisions could face a narrower or more expensive choice of products.
For advisers, this is a strong use case for AI-assisted pipeline management: identify clients with expiring offers, imminent remortgages or fragile affordability, then prompt timely human follow-up. AI can summarise product changes and model repayment sensitivity, but advisers should validate live lender criteria and retain clear evidence of why a recommendation remains suitable.