Behind the Scenes: What Mortgage Advisers Focus on in December
For many people, December is a month of winding down, festive celebrations, and setting personal goals for the year ahead. However, for mortgage advisers, December is far from quiet. While the property market might seem to slow down during the holidays, this month is a critical time for mortgage advisers to prepare for a successful new year—and to help clients position themselves for financial success in 2025.
We have spoken to a few successful advisers this month and here’s a closer look at what mortgage advisers are up to this December and why their work this month is so important to them.
Reviewing Client Portfolios and Mortgage Deals
December is the perfect time for mortgage advisers to review existing client portfolios. Many mortgages are on fixed-term deals that may be coming to an end in the new year. Advisers proactively assess these mortgages to ensure clients are not caught off guard by sudden rate increases or missed opportunities to remortgage.
“Many homeowners aren’t aware that their fixed-term deals are ending soon, and leaving it too late could mean higher rates or missed savings. As advisers, we can step in now to review their options, ensuring they’re in the best possible position before any changes take effect.”
Warren Thavanesan, Mortgage & Protection Specialist
Why It Matters:
- By reviewing mortgages now, advisers help clients secure better rates before the new year.
- This preparation avoids last-minute panic and ensures clients are financially ready for 2025.
Strategic Downtime and IT Overhauls
December offers a rare window to focus on internal projects without the pressures of a full inbox and constant calls. Many advisers are taking the opportunity to work on IT upgrades, ensuring systems are ready for a January launch:
“Our office switches to email-only after 5 PM on 20th December and reopens at 2 PM on 2nd January. This gives us focused time to complete or reset IT projects while maintaining a professional level of service.”
David Clarke, Senior Mortgage Adviser
Why it Matters:
- Streamlining Systems: IT improvements can make a big difference when business picks up in the new year. Whether it’s a “new-look” CRM system, looking into AI benefits, improving automation, or fine-tuning workflows, December is the perfect time for a complete tech reset.
- Scheduled Breaks: Structured schedules—like working on concentrated IT sessions in the mornings or shifting to email-only service—allow advisers to stay productive while preserving valuable downtime.
Building Relationships and Offering Year-End Advice
December is also about strengthening relationships. Mortgage advisers often reconnect with clients to offer year-end advice, check in on their progress, and discuss their future plans. This is a great time to identify opportunities for refinancing, property investments, or mortgage overpayments.
“The end of the year is a great opportunity to reconnect with clients, not just to review their current mortgage needs but to strengthen relationships by offering tailored advice for the year ahead. It’s about showing clients we’re here for them, helping them plan for a financially secure future and navigating any changes with confidence.”
Alex Caldwell, Mortgage Business Manager
Why It Matters:
- A strong adviser-client relationship ensures trust and ongoing financial success.
- Clients appreciate proactive advice, making them more likely to seek guidance in the future.
Preparing for Changing Market Conditions and New Opportunities
The mortgage market is constantly evolving, and advisers use December to stay ahead of upcoming changes. Whether it’s potential interest rate shifts, new lending regulations, or government policies, mortgage advisers spend time analysing trends and forecasts.
Conversations with new buyers are noticeably more positive, with many accepting that higher rates are the “new normal” and adjusting their expectations accordingly.
“I’m seeing a real change in attitudes. Buyers are more optimistic and ready to move forward—setting us up for a busy start to 2025.”
Janek Kowalczyk, Mortgage Specialist
Why It Matters:
- Staying informed allows advisers to offer up-to-date advice to clients.
- Clients benefit from strategies tailored to the evolving financial landscape.
This optimism, coupled with a refreshed mindset, improved systems, and clear goals, means advisers are entering the new year ready to seize opportunities in a changing market.
Planning for a Busy January and Beyond
While others may be taking time off, mortgage advisers use December to plan ahead. They set business goals, refine their processes, and prepare for a busy January when buyers return to the market. By organizing their workload, advisers ensure they can deliver excellent service in the new year.
Why It Matters:
- Preparation means advisers are ready to handle the January rush efficiently.
- Clients benefit from quick responses and well-thought-out strategies.
Taking Time to Recharge
After what may have been a good year for mortgages written, many advisers are wisely choosing to take some proper time off. Stepping back, relaxing with family, and recharging for the new year is essential to avoid burnout.
“I’ll finish up in a week or so, take some time off, and return refreshed for the new year. I’m happy—this has been my biggest year for mortgages written!”
Sarah Williams, Independent Mortgage Adviser
Why It Matters:
- Quiet Client Base: For advisers with a client base made up of families, December tends to be quieter anyway. With fewer calls coming in, it’s easier to wrap up any remaining remortgages and take a well-deserved break.
- Balance of Work and Rest: A structured approach to checking emails and addressing urgent matters during the holidays ensures advisers can enjoy downtime while keeping client service intact.
Aspiring Mortgage Advisers: Studying for CeMAP
For those looking to break into the mortgage industry in the new year, December’s quiet period is a perfect opportunity to focus on CeMAP studies (Certificate in Mortgage Advice and Practice).
“I’m using December to study for my final CeMAP exam—ready to start 2025 as a qualified mortgage adviser!”
Hamed Patel, Insurance Salesperson and Aspiring Mortgage Adviser
Why It Matters:
Becoming a qualified mortgage adviser requires dedication and preparation, and many aspiring advisers are using the festive downtime to:
- Intensively Study CeMAP Modules: Completing exams during the quieter December period puts new advisers in a strong position to hit the ground running in January.
- Prepare for the Industry: Staying updated on mortgage market trends, regulatory changes, and client needs helps aspiring advisers build confidence for their new career.
Why This Matters for a Successful 2025
The work mortgage advisers do in December sets the stage for a successful year ahead—both for themselves and their clients. By reviewing mortgages, planning for market changes, and helping clients achieve their financial goals, advisers ensure:
- Clients are financially prepared for any challenges or opportunities in 2025.
- Buyers and homeowners have a clear strategy to make informed decisions.
- Advisers themselves can hit the ground running in January, providing value when it matters most.
For homeowners, first-time buyers, and anyone considering a mortgage, December is the perfect time to reach out to a mortgage adviser. Proactive planning today can make all the difference in achieving financial success in 2025.
Final Thoughts
Mortgage advisers —whether seasoned professionals or aspiring ones— may not be in the spotlight during the holiday season, but their work behind the scenes is invaluable.
By using December wisely, advisers ensure they’re refreshed, organised, and ready to make 2025 another successful year.
It’s a time to:
✅ Focus on IT upgrades and business improvements
✅ Recharge and enjoy well-deserved time off
✅ Finish strong with insurance opportunities and client care
✅ Study for CeMAP qualifications to start a new career
Whether you’re looking to remortgage, buy a new home, or plan for the future, connecting with a mortgage adviser in December can put you on the path to a successful and stress-free 2025. Don’t wait for the new year to get started—take control of your mortgage plans now and enjoy the benefits in the months ahead.
Are you considering becoming a mortgage adviser? We’re here to help!