TwentyCi has launched Opportunity Signals, a new solution designed to help mortgage advisers and networks identify business opportunities within their existing client banks, by alerting them when a client is approaching key points in their housing journey.
While advisers routinely use CRM systems to track mortgage maturity dates and prompt contact ahead of product expiry, they can often miss clients who decide to move home before their existing mortgage deal ends. By the time these clients get in touch, they may already have approached an estate agent's recommended mortgage adviser or another broker.
TwentyCi estimates that 4.6% of a typical mortgage adviser's past clients will put their property on the market for sale each year, with a further 3% listing a property to let. For an adviser with a client bank of 1,000, this represents an estimated 76 potential business opportunities over 12 months – or around six every month – among clients they already know.
To get started, advisers simply provide TwentyCi with the property addresses held within their client bank. No client names, contact details or mortgage balances are required. TwentyCi then matches these addresses against its property data, which covers 31 million UK homes, and monitors them daily for relevant activity.
This includes when a mortgage deal is approaching its end, when a property shows signs of being likely to come to market, when an online valuation is requested, when a home is listed for sale or to let, and as a sale progresses towards completion.
Each lead is supplied with a current property valuation and relevant property details. Leads can be delivered through a daily data file or, via API, on the same day that the activity is identified.
The scale of the opportunity is reinforced by TwentyCi's analysis of more than one million HM Land Registry transactions recorded since 2025. This found that 5.7% of properties had changed hands within the previous three years, rising to 16.5% within five years, highlighting how frequently homeowners may move before their existing mortgage arrangements reach maturity.
As part of the launch, TwentyCi is offering advisers and networks a free 12-month lookback, allowing them to see how many opportunities may have existed within their client bank over the previous year before committing to the service.
John Price, head of sales at TwentyCi, commented: “Mortgage advisers invest considerable time and effort in building relationships with their clients, but too often they only have visibility of the opportunities that fit around the mortgage maturity cycle.
“Homeowners don't necessarily wait until their fixed rate ends before deciding to move, and that can leave advisers missing out on business from people they already have a relationship with.
“Opportunity Signals changes that by giving advisers a much clearer picture of what is happening with the properties owned by their existing clients. Instead of waiting for a client to get in touch, advisers can identify when a property is likely to come to market, when it is listed and when a mortgage conversation may be needed. It's about helping advisers protect their existing relationships, retain more clients and generate additional business from the databases they already have.”
