An estimated 1.8 million fixed rate mortgage deals are due to expire in 2025, 400,000 more than in 2024. This surge in remortgaging presents a critical opportunity for mortgage brokers to offer essential advice and financial support to homeowners across the UK, ensuring they transition smoothly to new deals amid stabilising interest rates and heightened affordability checks.

 

In this episode of the Barclays Mortgage Insider podcast, host Phil Spencer is joined by Karina Hutchins, Principal, Mortgage Policy at UK Finance. Together, they explore the unique factors driving this spike in fixed-rate maturities, from the post-COVID stamp duty holiday surge to the volatile interest rate environment following the 2023 mini-budget.

The conversation focuses on the importance of affordability checks, the distinction between product transfers and full remortgages, and the value of the advice process. Further insights are shared on how brokers can help borrowers avoid payment shock when transitioning from their existing fixed -ate mortgage and on the types of financial support available, including the Mortgage Charter and lender-led initiatives - solutions that many homeowners may be unaware of.

This instalment also evaluates broader market trends, such as rising demand for longer-term fixed-rate mortgages and the evolving role of mortgage brokers as trusted strategic advisers.

It’s an essential listen for those looking to strengthen client relationships, grow their business, and navigate the 2025 remortgaging wave with confidence.

This episode was recorded on 11th March 2025.

An estimated 1.8 million fixed rate mortgage deals are due to expire in 2025, 400,000 more than in 2024. This surge in remortgaging presents a critical opportunity for mortgage brokers to offer essential advice and financial support to homeowners across the UK, ensuring they transition smoothly to new deals amid stabilising interest rates and heightened affordability checks.
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In this episode of the Barclays Mortgage Insider podcast, host Phil Spencer is joined by Karina Hutchins, Principal, Mortgage Policy at UK Finance. Together, they explore the unique factors driving this spike in fixed-rate maturities, from the post-COVID stamp duty holiday surge to the volatile interest rate environment following the 2023 mini-budget.
The conversation focuses on the importance of affordability checks, the distinction between product transfers and full remortgages, and the value of the advice process. Further insights are shared on how brokers can help borrowers avoid payment shock when transitioning from their existing fixed -ate mortgage and on the types of financial support available, including the Mortgage Charter and lender-led initiatives - solutions that many homeowners may be unaware of.
This instalment also evaluates broader market trends, such as rising demand for longer-term fixed-rate mortgages and the evolving role of mortgage brokers as trusted strategic advisers.
It&rsquo;s an essential listen for those looking to strengthen client relationships, grow their business, and navigate the 2025 remortgaging wave with confidence.
This episode was recorded on 11th March 2025.

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 – 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 more about 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.

Mortgage Insider

The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets.

In the latest series, Phil grills leading industry experts from the world of financial services on topics such as business development, the performance and potential of the housing market, the evolving role of the mortgage broker and the outlook for the UK economy.

You can’t afford to miss it.

The award-winning Mortgage Insider Podcast - brought to you by Barclays Bank – is back and it’s even bigger and better than ever. Hosted by renowned TV presenter and property expert Phil Spencer, Series 4 takes you beyond the headlines to explore the challenges, changes and opportunities on offer across the UK housing and mortgage markets. In the latest series, Phil grills leading industry experts from the world of financial services on topics such as business development, the performance and potential of the housing market, the evolving role of the mortgage broker and the outlook for the UK economy.
You can’t afford to miss it.