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A quiet revolution is reshaping mortgage retention in the UK: lenders now use AI to spot churn, price smarter, and send personalized offers long before a fixed rate ends. We unpack how those engines work, why they’re so effective at capturing product transfers, and what that means for brokers who have built pipelines around renewals. The story isn’t doom and gloom; it’s about timing, experience, and the kind of advice that a one-click journey can’t replicate.
Together we map the new retention funnel from data to decision: servicing history, property values, and behavior signals feed models that predict who will switch and when. Then come targeted prompts via email, text, and apps, with pre-filled applications and instant eligibility checks. We explore dynamic pricing, segmentation for landlords and high-net-worth borrowers, and the commercial reality of PT fees. You’ll hear where lenders gain ground through convenience and where they still fall short when clients need capital raising, term changes, debt consolidation, or later-life solutions that demand real guidance.
We share a practical broker playbook to stay indispensable: use AI-powered CRM triggers to contact clients months before the bank, deliver clear comparisons and scenario planning, and match digital ease with secure portals, e-signatures, and video reviews. Educate clients on the difference between information and advice, lean into Consumer Duty to demonstrate suitability, and diversify into specialist lending and protection to reduce reliance on simple PTs. The takeaway is simple: algorithms can nudge, but trust wins decisions when stakes are high.
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I help employed mortgage brokers go self-employed with clarity, confidence and one-to-one mentoring. Find out how Pathways or Coaching works at craigskelton.co.uk

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