As rate spikes and product withdrawals continue to unsettle the mortgage market, brokers are playing an increasingly critical role in supporting borrowers. Adrian Moloney of OSB Group states that brokers have effectively become the UK’s “fourth emergency service” for borrowers, as rate spikes and product withdrawals intensify pressure across the mortgage market. With 1.8 million fixed-rate deals ending in 2026 (UK Finance), demand for expert guidance is only set to grow.
Adrian Moloney, Group Lending Distribution Director, OSB Group:
“As the mortgage market reacts to heightened volatility, brokers have effectively become the UK’s ‘fourth emergency service’ for borrowers. The pivotal part they play in helping borrowers navigate the mortgage market shouldn’t be overlooked as their role becomes more important than ever. As rates spike and mortgage products are withdrawn, brokers are working around the clock to secure the best rates for their clients whilst offering reassurance, support and advice.
Around 1.8 million fixed mortgages are due to end in 2026, according to UK Finance. While the opportunities are still there, borrowers will rely on their brokers more than ever, as they make their next move. It’s key to recognise that the human element of expert broker guidance is the only way to turn uncertainty into a more coherent strategy for the future.”
