£10bn of HLPartnership Client Mortgages Set to Mature in 2026, Creating Major Refinancing Opportunity

18 August 2025

In 2026, mortgage advisers within HLPartnership’s (HLP) 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 members’ client banks alone, creating one of the largest single-year refinancing opportunities in recent memory.

The maturities are being driven by two borrower groups. The first are two-year fixed rate borrowers from 2024 who opted for shorter deals in anticipation of changes to interest rates. The second are five-year fixed rate borrowers from 2021 who secured historically low rates.

The overlap of these two groups means advisers will have an unusually high number of client touchpoints in a single year, providing multiple opportunities to deliver timely and relevant advice that supports good consumer outcomes and strengthens long-term client relationships.

Why 2026 Matters for Advisers

The mortgage market in 2026 is expected to remain competitive and continue evolving. Advisers will be in a strong position to guide clients through product changes and new options, ensuring that decisions are well-informed and in the client’s best interests.

By acting early and putting clients at the centre of the process, advisers can:

Strengthen relationships
Protect their client base
Grow their businesses
Demonstrate the value of professional advice
Deliver consistently good consumer outcomes

HLPartnership’s Guidance for Advisers

To help advisers make the most of the maturity wave, HLP recommends:

Engage early – Contact clients six to nine months before maturity to allow time for review and decision-making.
Use technology – Bespoke CRM tools can help track maturities and manage communications effectively.
Offer holistic reviews – Look beyond the mortgage to consider wider client needs.
Build long-term relationships – Maintain regular and personalised contact beyond the immediate transaction.

Support for HLP Members

HLP has invested heavily in market-leading technology designed specifically for its members. Support includes:

Bespoke CRM systems to identify and manage maturities at scale
Compliance-approved, branded marketing campaigns to prompt early client engagement
Training and events focused on client retention and relationship building
Access to a wide lender panel to ensure product recommendations remain competitive and suitable

Leadership Commentary

Christopher Tanner, 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.”

About HLPartnership

HLPartnership (HLP) is one of the UK’s leading mortgage and protection networks, supporting over 1,050 advisers nationwide. The network is recognised for its market-leading technology, with a bespoke CRM platform built in-house to help advisers manage client relationships, track opportunities, and deliver timely, compliant advice. Alongside technology, HLP provides access to a comprehensive panel of mortgage, protection and general insurance products, award-winning marketing services, and tailored compliance oversight.

HLP’s mission is to enable advisers to deliver good consumer outcomes, build sustainable businesses, and provide clients with trusted, professional financial advice. By combining technology innovation with unrivalled adviser support, HLP has established itself as the network of choice for firms seeking both growth and long-term client value.