REPORT

The 2026 UK Mortgage Refinancing

In 2026, 1.8M UK fixed-rate mortgage deals are expected to expire. As borrowers reach the end of their current terms, lenders need to retain the right customers, identify early stress and manage mortgage changes with control.

What's Inside the Report:

  • Why 1.8M fixed-rate expiries create a retention challenge
  • How early arrears change the renewal conversation
  • Where fragmented modification processes create risk
  • How QLM supports customer retention, early arrears and relief
[QLM] The 2026 UK Mortgage Refinancing - At glance (1) [QLM] The 2026 UK Mortgage Refinancing - At glance (2) [QLM] The 2026 UK Mortgage Refinancing - At glance (3)

Why does it matter?

When mortgage terms expire, borrowers either stay or leave.

 QLM helps lenders manage that moment with more control: from new deal offers to early-arrears support, every change can be modelled, approved, implemented and evidenced.  

 

Sounds interesting?