Mortgage advisers within HLPartnership’s (HLP’s) network will see close to 50,000 client mortgage deals worth an estimated £10bn mature in 2026.

The broker network said this could create “one of the largest single-year refinancing opportunities in recent memory”.

HLP said 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, while the second are five-year fixed rate borrowers from 2021 who secured historically low rates.

According to HLP, the overlap of the two groups mean advisers will have an “unusually high” number of client touchpoints in a single year. The group said this can provide multiple opportunities to deliver timely and relevant advice that supports good consumer outcomes and strengthens long-term client relationships.

“[Next year] represents one of the most significant opportunities for advisers to reconnect with their clients,” said HLP CEO, Christopher Tanner.

“With nearly £10bn 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.”

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