HLPartnership is encouraging member firms to start planning now for the mortgage maturity pipeline due across the network in 2027.
Internal HLPartnership figures show more than 63,800 mortgage cessations due across its network in 2027, representing more than £13.7bn in lending value.
The 2027 pipeline is larger than the opportunity identified for 2026, when HLPartnership reported close to 50,000 client deals, worth around £10bn, coming off existing rates across members’ books.
Behind those numbers are thousands of clients who may need advice at an important point in their mortgage journey. Some may have seen their circumstances change since their last review. Others may be approaching the end of a deal secured in a very different interest-rate environment. In either case, early contact gives advisers more time to understand each client’s needs, affordability and objectives before making a recommendation.
With 2026 already approaching its halfway point, HLPartnership says the 2027 maturity cycle is closer than it may appear. As best practice is to begin engaging clients around six months before their mortgage deal comes to an end, firms will need to have clear servicing plans in place well before the end of this year.
Delivering good consumer outcomes means making sure clients are contacted early enough to receive advice that reflects their needs, circumstances and objectives. By using their data well, firms can give clients more time to review their position, understand affordability and make informed decisions before their existing mortgage deal ends.
Christopher Tanner, Chief Executive Officer at HLPartnership, said:
“The 2027 maturity cycle matters for member firms on two counts: the volume of cases involved, and what it means for client relationships. Advisers who engage early have more time to understand each client’s circumstances, discuss affordability and recommend a suitable course of action.
“At HLPartnership, we built our bespoke CRM system to help firms manage client relationships more proactively. By recording and tracking deal end dates, the system gives advisers a clearer view of which clients are approaching maturity and when they may need support.
“It also helps firms manage the activity around those opportunities, including leads, tasks, follow-ups and the wider advice journey, turning client data into timely contact rather than missed contact.
“As the 2027 maturity cycle approaches, this is a good opportunity for firms to review their existing processes and make sure they are ready for the client conversations ahead. Starting early gives advisers more control over capacity, helps protect client relationships and supports a more consistent advice experience.”
The work forms part of HLPartnership’s wider Client for Life approach, which is focused on helping advisers build long-term relationships with clients and support them through different life stages. Rather than treating a mortgage maturity as a single transaction, the approach encourages firms to stay close to clients, understand how their circumstances change over time and make sure advice remains relevant as their needs develop.
In practical terms, members should be reviewing their 2027 cessation data now, checking that client records are accurate, making sure contact details are complete and grouping clients by maturity date. This will help firms build plans that leave enough time for review, advice and completion.
For advisers, the message is straightforward. The 2027 opportunity is already visible. The firms that start organising around it now will be better placed to support clients, manage capacity and protect the relationships they have worked hard to build.
