How to record every client's mortgage rate end date, decide how far ahead to act on it, and set reminders so a renewal is never a surprise.
Written by
Charlotte BrownRole
Mortgage Industry Writer
Whichever system you use, a renewal gets worked only if three things exist for every client: the date the rate ends, a reminder set far enough ahead to act on it, and one place to see who is next. In Cleera, the dates come from completed cases and the client import, and a reminder on each completed case, with the Renewals view, covers the rest.
UK Finance expected about 1.8 million fixed-rate mortgages to come to an end in 2026, a forecast it published in December 2025. Other bodies have counted the same wave in different ways, and the differences are worth knowing before you quote any of them.
| Source | Figure | What it covers |
|---|---|---|
| UK Finance, December 2025 | About 1.8 million | Fixed-rate mortgages due to end in 2026 (a forecast) |
| FCA freedom of information release, October 2025 | 971,105 | Five-year fixed regulated mortgages opened in 2021 and expected to end in 2026. A maximum: it counts products, not borrowers, and covers regulated owner-occupier mortgages only |
| Bank of England Financial Stability Report, July 2026 | Nearly 750,000 households | Paying less than 3% and rolling off fixes in 2026, with an average increase of £170 a month |
| Bank of England Financial Stability Report, July 2026 | £45 a month | The projected increase for the typical owner-occupier rolling off a fix in the next two years |
The last two rows differ because borrowers do. The typical borrower faces a modest change, while clients who took the older, cheaper fixes face a much larger one. A book is not uniform, so the clients with the biggest jump are the ones who most need a call, and you can only find them if you hold each client's rate and the date it ends.
The FCA has also spoken to this. In its 3 February 2023 letter to mortgage lenders and administrators on the Consumer Duty, it named customers coming towards the end of a fixed rate as one of three examples where it is particularly important that customers understand their options and are supported in their decisions. Lenders should challenge themselves on how well these customers understand the trade-offs, and on what more could be done by the firm and by other firms such as mortgage intermediaries. The letter is aimed at lenders, not advisers, and it sets out an expectation, not a rule. It is still a fair description of what a good renewal conversation covers, and Consumer Duty and case records covers how to evidence it on the file.
The Mortgage Charter is a commitment by the lenders that signed it, and HM Treasury's policy paper on GOV.UK, which shows as updated in December 2025, says customers nearing the end of a fixed rate can lock in a new deal up to six months ahead. It says six months is the maximum lead time lenders may offer under the Charter, and that rates must be finalised two weeks before the new term starts. Customers can also ask for a better like-for-like deal until the new term starts, if one is available. The Charter's commitments do not apply to buy-to-let mortgages, which matters if your book includes landlords. It also tells borrowers to ask their lender how far ahead it can offer, so ask each lender.
That gives you a practical shape for lead times:
| Lead time | What it is useful for |
|---|---|
| Six months | The longest window under the Charter, so the earliest point to start the conversation and secure a rate |
| Four months | Time to compare options, collect updated documents and agree a plan before the rate has to be finalised |
These are starting points to adjust to your own clients, not a rule. A client with a complicated income or a landlord with several mortgages may need longer.
The unit is the mortgage, not the client. For each one, record:
A client with three properties has three dates. When a list has to show one date per client, the soonest upcoming date is the sensible choice, because it is the one that needs action first.
The dates come from three places. When a mortgage case is completed, the new product's end date is recorded as part of completing it, and it is carried onto the client's property record. A rate end date can also come from the client import, which is how a spreadsheet book arrives, as the guide to moving your client book out of a spreadsheet explains. And you can add or correct one by hand on a property.
The Clients list shows each client's soonest upcoming date in a Renewal / expiry column you can sort, with filters for this month, 1 to 3 months, 3 to 6 months and expired. The dashboard's Renewals count shows clients whose date falls in the next 90 days, and it opens the Clients list on the 1 to 3 month filter, sorted by date. Dates that came from the import or a property record show with a marker that the client is not on an automatic reminder, which makes them a ready-made call list for you to work yourself.
When a case completes with an end date, Cleera creates a product renewal reminder for you, as part of its retention automation. The default is four months before the end date, and the firm can choose three, four, five or six months. From the case you can also set your own: six months before, which also switches on the client check-in email, four months before, or a custom date with a note. The reminder is an in-app notification to the case adviser and to the firm's Account Owners and Administrators. Nothing goes to the client unless you choose it: the six-month check-in email is switched on for each case.
The broader case for keeping clients, and for charging for ongoing service, is in turn your client book into repeat revenue. For how renewals sit with the rest of the system, see the mortgage CRM page.
Figures and guidance were read on the pages below on 10 November 2026.
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Under the Mortgage Charter, which lenders signed up to, customers nearing the end of a fixed rate can lock in a new deal up to six months ahead, and six months is the maximum lenders may offer under it. The Charter tells borrowers to ask their lender how far ahead it can offer, so check each lender, and note that the Charter's commitments do not apply to buy-to-let mortgages.
Per mortgage. A client with three properties has three rate end dates, and each one needs its own conversation. The client list then needs a sensible way to choose which date to work first, and the soonest upcoming date is the usual answer.
From the rate end date column when you import it. Once a client has a completed case in Cleera, the new product's end date is recorded at completion, so the date stays current from then on. The guide to moving a client book out of a spreadsheet covers the import.
By default the reminder goes to you, as an in-app notification. A six-month check-in email to the client can be switched on for each case, so a client only hears from you in that way when you have chosen it.
Not directly. They describe the whole UK market, and some are forecasts or maximums. They show why rate end dates matter at the moment, but the numbers that matter for your firm are the dates in your own client book.
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