Mortgage pricing remains volatile. Moneyfacts reported the average two-year fixed rate edging up by 1 basis point to 5.97%, even as individual lenders made both cuts and increases. Separate reports point to inflation reaching 3.5%, adding to uncertainty around the interest-rate outlook and swap-rate-driven repricing.
Against that backdrop, remortgaging remains a substantial advice opportunity: UK Finance expects around 1.8 million mortgage deals to expire this year, with further material refinancing activity anticipated in 2027. Advisers can use CRM data and carefully governed AI tools to identify upcoming maturities, segment borrowers by likely payment shock and prioritise timely conversations—but should avoid treating automated prompts as suitability assessments.
- Engage clients well before a fixed deal ends and explain product-withdrawal risk.
- Model affordability across fixed and tracker options, including stressed-rate scenarios.
- Use automation for outreach and administration, with advisers retaining recommendation control.