Around 1.8 million fixed rate mortgages are expected to mature over the course of 2026, underlining the scale of the UK remortgage market. And with many borrowers potentially facing higher monthly payments, understanding the options available at maturity is increasingly important for a range of homeowners.

In the latest episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by Caroline Ambrose, Managing Director of Mortgage Customer Journeys for Barclays UK, and Rachel Springall, Finance Expert at Moneyfacts, to discuss what the changing remortgage market means for brokers and their clients.
Drawing on Bank of England mortgage data, they consider the potential payment shock facing borrowers, with around 750,000 customers currently paying rates below 3% due to come off their existing deals by the end of 2026.

The episode explores product transfer vs remortgage, mortgage rate volatility and the launch of the new Barclays Fast Track remortgage proposition, designed to simplify switching and support brokers and borrowers through the process.

With mortgage shelf life falling sharply during periods of volatility, the discussion also looks at how brokers can help customers consider fees, flexibility, affordability and their wider circumstances rather than focusing on the headline rate alone.

As AI mortgage advice, social media and influencers increasingly become prominent sources of information, the value of trusted mortgage broker advice remains firmly in focus. With around £400bn of remortgage business estimated for 2027, the episode also looks at what lies ahead for brokers and their clients.

Now available to watch on Spotify.

Around 1.8 million fixed rate mortgages are expected to mature over the course of 2026, underlining the scale of the UK remortgage market. And with many borrowers potentially facing higher monthly payments, understanding the options available at maturity is increasingly important for a range of homeowners.
In the latest episode of the Barclays Mortgage Insider Podcast, host and property expert Phil Spencer is joined by Caroline Ambrose, Managing Director of Mortgage Customer Journeys for Barclays UK, and Rachel Springall, Finance Expert at Moneyfacts, to discuss what the changing remortgage market means for brokers and their clients. Drawing on Bank of England mortgage data, they consider the potential payment shock facing borrowers, with around 750,000 customers currently paying rates below 3% due to come off their existing deals by the end of 2026.
The episode explores product transfer vs remortgage, mortgage rate volatility and the launch of the new Barclays Fast Track remortgage proposition, designed to simplify switching and support brokers and borrowers through the process.
With mortgage shelf life falling sharply during periods of volatility, the discussion also looks at how brokers can help customers consider fees, flexibility, affordability and their wider circumstances rather than focusing on the headline rate alone.
As AI mortgage advice, social media and influencers increasingly become prominent sources of information, the value of trusted mortgage broker advice remains firmly in focus. With around &pound;400bn of remortgage business estimated for 2027, the episode also looks at what lies ahead for brokers and their clients.
Now available to watch on Spotify.

The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here.

The award-winning Mortgage Insider Podcast – brought to you by Barclays – is back and better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world.

Phil, along with industry-leading guests from the world of economics, financial services, and of course housing, takes you beyond the headlines to help you navigate the world of mortgage markets.

This is an in-depth plunge into the world of mortgages, so listen and follow to find out moreabout the current mortgage market, how rates are set, the insider take on housing, changes to buy-to-let, marathon mortgages and helping clients plan for a worst-case scenario. 

The Mortgage Insider Podcast – you can’t afford to miss it.

 

The evolving role of the mortgage broker is becoming increasingly complex. The performance and potential of the housing market is an ever-changing landscape, but help is here.
The award-winning Mortgage Insider Podcast &ndash; brought to you by Barclays &ndash; is back and better than ever. Renowned TV presenter and property expert Phil Spencer guides you through the trials and tribulations of the housing world.
Phil, along with industry-leading guests from the world of economics, financial services, and of course housing, takes you beyond the headlines to help you navigate the world of mortgage markets.
This is an in-depth plunge into the world of mortgages, so listen and follow to find out more about the current mortgage&nbsp;market, how rates are set, the insider take on housing, changes to buy-to-let, marathon mortgages and helping clients plan for a worst-case scenario.&nbsp;
The Mortgage Insider Podcast &ndash; you can&rsquo;t afford to miss it.
&nbsp;

Mortgage Insider

This is the award-winning Mortgage Insider from Barclays. Renowned property expert and TV presenter Phil Spencer MBE guides you through the trials and tribulations of the housing world.

Every month, Phil is joined by industry leaders from the world of economics, financial services, house buying and home building. They take you beyond the headlines to help you navigate the evolving world of mortgage markets, sharing practical tips along the way.

Listen to find out more about the trends and developments in today's mortgage market, including the latest on changes to the housing buying process, what's new in new-build and how consumers are using AI.

This is the award-winning Mortgage Insider from Barclays. Renowned property expert and TV presenter Phil Spencer MBE guides you through the trials and tribulations of the housing world.
Every month, Phil is joined by industry leaders from the world of economics, financial services, house buying and home building. They take you beyond the headlines to help you navigate the evolving world of mortgage markets, sharing practical tips along the way.
Listen to find out more about the trends and developments in today's mortgage market, including the latest on changes to the housing buying process, what's new in new-build and how consumers are using AI.