The year ahead presents a rare alignment of opportunity and urgency. 

With over 1.6 million fixed-rate mortgages set to expire, 2025 will be a landmark year for client re-engagement, remortgaging conversations, and financial decision-making. But in a market where customers are inundated with comparison tools, fintech platforms, and DIY options, mortgage intermediaries must go further to retain trust and deliver complete value. 

Today’s homebuyers and remortgagers want:

You already provide this for mortgages. Now’s the time to extend that experience into insurance, without adding complexity to your workflow.

The goal isn’t to sell more - it’s to solve more. Seamlessly. Naturally. Intelligently. 

As an adviser, you: 

• Know when key financial events are happening 

• Have access to personal and property data that can power pre-filled quotes 

• Understand your client’s needs beyond just their loan 

You are perfectly positioned to: 

You don’t need to become a compliance officer - but you do need a process that supports the outcomes the FCA wants to see.

Here’s what that can look like in your business: 

Firms that embed these practices into their 2025 strategy can expect: 

• Higher conversion rates on insurance and protection 

• Improved client retention through full-service advice 

• Reduced regulatory risk via transparent, tailored products 

• Greater revenue potential without sacrificing efficiency

• Stop outsourcing insurance - and start embedding it 

• Use technology to simplify, not complicate, the customer journey 

• Prioritise timing, not just pricing 

• Deliver genuine value - not just compliance 

• Own the whole conversation, not just the mortgage