The fixed-rate-end calendar most brokers ignore

Your remortgage clients hit a fixed-rate end window every two to five years. That’s a built-in calendar reminder sitting in your CRM — and most brokers ignore it until the client has already drifted to a competitor or stayed on the lender’s SVR.

How the campaign works

Customer Revival is a done-for-you 7-email Monday-to-Friday campaign sent to your existing client list — past clients whose fixed rate is ending in the next 6 months. We pick a theme — fixed-rate-end review, product transfer comparison, BTL refinance, equity release suitability, protection refresh — and write seven emails in your firm’s voice.

Why this works for mortgage brokers

Mortgage broking is a relationship business with a hard calendar trigger. A fixed-rate end is the highest-intent moment in the client’s mortgage life cycle. If you don’t reach out, someone else will — or the lender will roll them onto an SVR rate that costs them £3,000+ a year. Reactivation pays for itself many times over in product procuration fees.

FCA-aware compliance

Every email matches FCA marketing rules: factual, non-misleading, no specific rate guarantees, no implied financial advice in copy, no comparison to other brokerages by name. We’re not regulated to give financial advice and we’re not pretending to be — we’re a marketing service operator. The campaign drives clients back to your regulated advice process.

Which broker types we work with

Best fit for UK mortgage brokerages handling residential remortgages, BTL, first-time buyers, equity release, and protection cross-sell. Minimum 500 past clients with email addresses on file.

What the seven emails actually say

Monday states a date the client cannot argue with — their fixed rate ends in a known month and doing nothing puts them on a reversion rate. Tuesday explains what the review involves and how far ahead a new product can usually be secured. Wednesday is the offer: a no-obligation review, framed factually with no rate promises and no comparison claims. Thursday deals with the assumption that their existing lender will simply offer them the best thing available. Friday closes.

Two mid-week re-sends go to non-openers. Themes rotate across the year — fixed-rate expiry windows, product transfers, protection and cover reviews, buy-to-let portfolio reviews, and later-life or equity release for the appropriate segment. Expiry-window segmentation is what makes this niche work: a client six months from expiry and a client three years out need completely different emails.

What we need from you

Client name, email, and product end date — the last of those is what everything hinges on. It exports from 360 Dotnet, Twenty7Tec, Intelliflo or a spreadsheet. Protection cover status helps if you have it.

You choose the theme and we write. All copy is drafted to FCA financial promotion standards: clear, fair, not misleading, no guarantees, no rate claims, appropriate risk wording, and nothing that implies a recommendation. You are the approver — every email goes through your compliance sign-off inside the 48-hour window before it is scheduled, and nothing goes out that you have not personally approved.

Getting ready for the calls

Expiry-window campaigns produce a specific kind of response: clients who want a date in the diary, quickly, because they have just realised a deadline is closer than they thought. Have appointment slots genuinely available in the campaign week and the week after.

Agree beforehand what your team can say on the phone versus what must wait for a full fact-find. The gap between an enquiry and a booked appointment is where this niche leaks most.

What this is not

It is not advice, and no email we write will ever give any. We are a marketing operator, not an appointed representative — all regulated content and all approval sits with you. We do not write anything that constitutes a personal recommendation.

It is also not lead generation. Everyone contacted is already your client. Growing the front of the funnel is a separate exercise. The complete UK guide covers the framework in full.

Frequently asked questions

Other trades we run this for

The same seven-email framework, written for a different trade: private dental practices and aesthetic clinics. The full service breakdown covers how it runs across all fourteen.