Nearly £10bn worth of mortgages within HLPartnership’s network are set to mature in 2026, creating one of the largest refinancing opportunities in recent years.
Close to 50,000 client mortgage deals, primarily 2-year and 5-year fixed rate products, will reach maturity within members’ client banks that year.
The overlap of these two product cycles is expected to give advisers a significant number of client touchpoints in a short period, opening the door to provide timely, relevant advice and reinforce long-term relationships.
The maturities stemmed from two borrower groups. The first consists of clients who opted for 2-year fixed rate mortgages in 2024, taking shorter deals in anticipation of potential changes to interest rates.
The second group comprises borrowers who secured historically low 5-year fixed rates in 2021.
With both groups’ deals set to expire in 2026, advisers will be presented with an unusually concentrated refinancing opportunity.
HLPartnership said the mortgage market in 2026 is expected to remain competitive and evolve further, with advisers well-placed to help clients navigate new products and changing conditions.
The network highlighted the importance of early engagement and a client-focused approach to ensure good consumer outcomes.
To support advisers through the 2026 maturity wave, HLP encouraged early and structured client engagement.
The network recommended advisers contact clients six to nine months before their deal ends, use CRM technology to track maturities and manage communication, and offer holistic financial reviews that consider wider needs beyond the mortgage itself.
Maintaining regular, personalised contact beyond individual transactions was also stressed as key to building longer-term client value.
HLP has invested in bespoke, in-house developed CRM systems tailored to its advisers’ needs, enabling them to identify and manage maturities at scale.
Members also have access to compliance-approved, branded marketing campaigns designed to prompt early engagement, as well as training and events focused on client retention and relationship management.
In addition, advisers benefit from access to a wide lender panel to ensure recommendations remain competitive and suitable for client needs.
Christopher Tanner (pictured), CEO of HLPartnership, said: “2026 represents one of the most significant opportunities for advisers to reconnect with their clients.
“With nearly £10 billion of mortgages maturing within our members’ client banks, those who plan ahead and focus on delivering excellent advice and good consumer outcomes will be best placed to strengthen relationships and secure long-term value.
“At HLP we have invested heavily in our in-house developed technology platform and bespoke CRM tools, built specifically for the needs of our members, to help them identify and engage with clients.
“We have also invested in fully branded communication services, managed by the network, to maintain regular monthly contact and ensure clients remain informed and supported.”
HLPartnership is one of the UK’s largest mortgage and protection networks, supporting more than 1,050 advisers nationwide.
The network is recognised for its proprietary CRM platform, designed to help advisers manage client relationships, track opportunities and deliver compliant, timely advice.
Alongside technology, HLP provides access to a wide panel of mortgage, protection and general insurance products, marketing services, and compliance oversight.
Its mission is to help advisers deliver good consumer outcomes, grow sustainable businesses, and provide clients with trusted financial advice.
