Getting Ahead of the Remortgage Window: A Practical Guide for Brokers

Added 13/07/26 - 6 min read

Most remortgage clients don't suddenly appear at the six-week mark needing urgent help. They were always there, visible in your pipeline, with an end date you could see months in advance. What changes is whether you reached them first, or whether they reached out to someone else.

Getting in earlier isn't just about securing the case. It's about giving yourself the time to do the job properly, and giving your client the experience that makes them want to come back.

Here's a framework you can adapt, with messaging ideas for each stage of the journey.

Six months out: be the broker who's already thinking about it

The first contact doesn't need to be a full review conversation. At six months, the goal is simply to signal that you're already across it. Most clients won't be thinking about their mortgage yet. A short, low-key message changes that, and positions you as the person managing the process before they've had to ask.

In a busy brokerage this kind of contact is easy to systematise. A task triggered in your CRM six months before each renewal date is often all it takes. Done consistently, it becomes part of how you work rather than something you have to remember.

You could say: "Hi [Name], I wanted to give you a heads-up that your current mortgage rate is due to expire around [month/year]. Nothing to action right now, but I'm already keeping an eye on things for you. I'll be in touch as we get closer with some options to consider. In the meantime, feel free to reach out if anything changes your end."

This works because it removes the worry before it starts. The client doesn't need to chase you. They already know you're on it.

Try this with AI

You don't need to be using AI regularly to make use of this. These prompts are designed to help you act on what you've just read, whether that's turning an idea into something practical, adapting it for your own business, or saving time on everyday tasks.

Each prompt is optional, copy-and-paste friendly, and works best when you add a little context from your own role, clients or broker business. If you're working from an existing document or script, you can paste it into the tool or upload it alongside your prompt to give the AI something to work from. Use these as a starting point and adjust the output so it sounds like you.

Don't forget — always review and edit AI-generated content to ensure it is accurate, compliant and appropriate for your clients.

Use this at the six-month stage to draft your first outreach message.

"Act as a mortgage broker writing a first contact message to an existing client whose fixed rate mortgage expires in approximately six months. The client's name is [Name]. Write a short, friendly message that lets them know their rate is coming up for renewal, reassures them that nothing needs to happen right now, and confirms you're already keeping an eye on the market for them. Keep the tone warm and low-pressure. Do not mention specific rates, products or lenders."
Original content URL for context: https://blog.accordmortgages.com/getting-ahead-of-the-remortgage-window-a-practical-guide-for-brokers

Four months out: find out what's changed

Four months is the right time for a proper conversation. Circumstances shift. Income changes, new commitments appear, plans to move emerge. Surfacing any of that now means you have time to work with it rather than around it.

Clients who feel informed at this stage tend to be easier to work with later. They've had time to think, ask questions and gather documents without a deadline making everything feel urgent.

You could say: "Hi [Name], your mortgage rate is now around four months away from expiring, so it's a good time to catch up. I'd love to hear how things are with you, whether anything has changed since we last spoke, and what you're thinking about for your next steps. Are you free for a quick call this week? Once we've had a chat, I can start looking at the options that are likely to suit you best."

Framing it as a catch-up rather than a review keeps the tone light and relational. It's an invitation, not a prompt to make a decision.

Use this at the four-month mark to reopen the conversation and check for any changes.

"Act as a mortgage broker writing a check-in message to an existing client whose fixed rate expires in around four months. The client's name is [Name]. Write a short message that invites them to catch up, asks whether anything has changed in their circumstances since you last spoke, and suggests a brief call to start looking at options. Keep the tone conversational and unhurried. Do not include specific rate or product recommendations."
Original content URL for context: https://blog.accordmortgages.com/getting-ahead-of-the-remortgage-window-a-practical-guide-for-brokers

Three months out: put options on the table

With three months to go, you're usually in a strong enough position to have a product conversation. Rate movements are still possible, but there's enough certainty to present options meaningfully. For clients on a fixed rate with a hard end date, this is often the last comfortable moment to act.

Any issues that come up during the application are still recoverable at this stage. There's time to respond, adjust and resubmit without the process feeling stressful for the client.

You could say: "Hi [Name], we're now three months out from your rate expiry, so I've been looking at what's available for your situation. I've put together a shortlist of options I think are worth considering, and I'd like to walk you through them. Would it suit you to have a call this week or next? Once you're happy with a direction, we can move forward at a pace that suits you."

Saying you've already been looking does two things: it shows you've done the work, and it shifts the call from exploratory to confirmatory. The client comes in feeling informed, not ambushed.
Use this at three months to present options and move towards a decision.

"Act as a mortgage broker writing an update message to an existing client whose fixed rate expires in three months. The client's name is [Name]. Write a short message that lets them know you've been reviewing what's available for their situation, that you'd like to walk them through a shortlist of options, and that suggests a call this week or next. Keep the tone confident but unhurried. Do not include specific rate or product recommendations."
Original content URL for context: https://blog.accordmortgages.com/getting-ahead-of-the-remortgage-window-a-practical-guide-for-brokers

Offer to completion: a quick note goes a long way

Once an offer is in place the case largely runs itself, but staying visible still matters. A short update at each milestone reassures your client that everything is progressing and keeps the door open if anything unexpected comes up.

You could say: "Hi [Name], just a quick note to let you know [offer accepted / underwriting is progressing / completion is confirmed]. Everything is on track. I'll be in touch again when there's a next step for you, but please feel free to reach out if you have any questions in the meantime."

Clients who've been kept in the loop throughout the journey arrive at completion feeling looked after, not relieved it's over. That's the difference between a client who refers and one who simply moves on.

Use this to keep your client informed between offer and completion.

"Act as a mortgage broker writing a brief progress update to a client whose remortgage is currently going through. The client's name is [Name]. The current status is [offer accepted / underwriting in progress / completion confirmed]. Write a short, reassuring message that confirms everything is on track, tells them you'll be in touch when there's a next step, and invites them to reach out if they have any questions. Keep it brief and warm."
Original content URL for context: https://blog.accordmortgages.com/getting-ahead-of-the-remortgage-window-a-practical-guide-for-brokers

Start with one touch point and build from there

You don't need to overhaul how you work to make this happen. In most cases it's about formalising contact points that already exist, loosely, within your process.

A simple CRM sequence is a practical starting point: a flag at six months, a task prompt at four, a product conversation at three, and a progress update when the case crosses the finish line. If you're not yet using your CRM in this way, a basic calendar reminder system gets you most of the way there while you build the habit.

Clients who hear from you before they've started to worry about their renewal are far more likely to come back, and to mention you to others. The early engagement isn't just good client service. It's one of the most straightforward ways to protect and grow your case pipeline without generating a single new lead.

Stay up to date with compliance issues, so you can be sure you're following all the latest requirements that affect you or your business.

A note on using AI responsibly

Avoid inputting identifiable client data into AI tools.
Use initials or placeholders where possible.
Don't rely on AI outputs for decisions that affect client outcomes. They're a starting point, not a sign-off.
And always review what's been generated before sending or saving it anywhere.

For more on using AI responsibly in your business, read our guide to AI etiquette and compliance for brokers.