AI Receptionist for remortgage advisers
Remortgage clients are on a deadline. Miss their call and they miss their window.
Ava is the AI receptionist for remortgage advisers that catches every rate-expiry enquiry and books the callback before the deadline.
A missed remortgage call typically costs £500–£2,000 in fees. Advisers who don't answer quickly lose two to three enquiries a week to competitors offering instant callbacks — and rate-expiry clients need a response within days.
The short answer
- 3–6 months: the typical window a remortgage client has before their rate expires. Ava captures the enquiry and books the consultation before the window closes.
- £500–£2,000: the broker fee per remortgage case — plus protection and financial planning pipeline opened by the client relationship.
- 2–3 enquiries a week are lost by advisers who don't respond within hours. Ava books the consultation before the client accepts the lender's product transfer.
- 1 ERC concern is flagged by Ava in the lead record for every caller who raises it — routed straight to the adviser, no informal guidance given.
- 0 rate, product, or lender recommendations from Ava — she books, captures, and routes all substantive questions to your authorised adviser.
The problem
A homeowner's fixed rate expires in eight weeks. They have a reminder from their lender offering a product transfer. They want independent advice before they decide. They call you. It rings out.
What Ava does
Ava answers every remortgage enquiry, captures the existing lender, approximate remaining balance, and rate expiry timeline, and books a consultation with your adviser — so the client gets independent advice before the lender's product transfer offer closes.
A remortgage case generates £500–£2,000 in broker fees and procuration. Remortgage clients are also prime prospects for protection and further advice. Miss the call and miss the pipeline.
Why is the timing of a remortgage call so important?
A homeowner approaching the end of their fixed rate has a defined window — typically three to six months — to arrange an independent remortgage before reverting to the standard variable rate. The lender will also offer a product transfer. Miss the call and the client may already have accepted it.
Most remortgage enquiries are prompted by a letter from the existing lender or a rate alert from a comparison service. The client is already in action mode and is comparing the product transfer rate against what an independent broker might find. This is a high-intent call.
The early repayment charge is often on the caller's mind. They want to know whether they can exit their current deal without paying an ERC. Ava captures that concern and routes it to the adviser — she does not attempt to calculate the ERC or advise on whether it is worth paying.
A client who takes the lender's product transfer offer without speaking to an independent adviser is a lost case and a lost relationship. Ava's job is to make sure that does not happen because of a missed call.
How does Ava handle a remortgage enquiry?
Ava answers immediately, captures the existing lender, approximate outstanding balance, the rate expiry month, and any specific concern such as an ERC. She books the adviser consultation and logs all of that context in your CRM. She does not advise on products, rates, or whether remortgaging is preferable to a product transfer.
The context Ava captures shortens the adviser's initial conversation materially. Knowing the lender, balance, and expiry month means the adviser can arrive at the call with a view on the current market rather than spending the first ten minutes establishing basics.
Callers often ask Ava whether they should remortgage or take the product transfer. Ava acknowledges that this is exactly the right question for the adviser to answer and books the meeting rather than offering a view.
For debt consolidation remortgage enquiries, Ava captures the nature of the request without advising on whether consolidating debts into a mortgage is suitable. That suitability assessment belongs entirely with the adviser.
Can Ava handle questions about early repayment charges?
Ava captures that the caller has an ERC concern and notes it in the lead record. She does not calculate the charge, advise on whether it is cost-effective to pay it, or recommend a course of action. Those judgements go to the adviser.
ERC calculations depend on the specific mortgage terms, the outstanding balance, and the lender's formula. Providing an inaccurate figure, or an uninformed view on whether paying the ERC is worthwhile, risks materially mis-advising the client.
Ava's response is consistent: she acknowledges the ERC concern, confirms it is an important factor the adviser will consider, and books the consultation. The caller understands their question will be answered; they are not left without a response.
This is the correct approach for both compliance and client experience. The adviser is equipped with the right tools and authorisation to give proper ERC guidance; Ava is not.
Does Ava give remortgage advice or recommend specific rates?
No. Ava captures the enquiry details and books the adviser consultation. She does not advise on whether to remortgage, recommend specific products or rates, or assess whether a product transfer is better or worse than a full remortgage. That is regulated mortgage advice and belongs with your authorised adviser.
Recommending a specific mortgage product is a regulated activity under the Mortgage Credit Directive and the FCA's MCOB rules. Ava does not hold authorisation and does not attempt to stray into that territory.
A caller who receives a rate recommendation from a non-authorised source — even an informal one — may act on it and suffer a poor outcome. Ava's clean referral to the adviser protects both the caller and the firm.
Every rate question, product comparison, or lender suggestion from a caller gets the same response: acknowledgement, confirmation the adviser will address it, and a booked consultation.
£500–£2,000
Typical broker fee per remortgage case
UK mortgage broker market estimate
3–6 months
Typical window before rate expiry when remortgage enquiries are made
UK mortgage industry estimate
24/7
Hours Ava captures rate-expiry enquiries — including evenings and weekends
avacallai service definition
The difference
Voicemail takes a message. Ava books the appointment.
What callers ring about
Every remortgaging call, handled.
- Fixed rate expiry enquiries
- Product transfer versus remortgage
- Debt consolidation remortgage
- Rate review consultation bookings
Hear it in action
This is what your callers hear.
- Good morning, Harbour Mortgages — how can I help?
- Hi, my fixed rate expires in about four months and I want to look at my options before my bank pushes me onto their transfer deal.
- Good thinking to explore your options early — there's often more choice than just the existing lender's offer. Can I take your name and a contact number and book you in with our adviser?
- Sure — Rachel Green, 07733 456789.
- Thank you Rachel. I also have a note that you'd like to look at independent options before the expiry. Our adviser has availability this Thursday or next Monday — which suits you?
Before you choose
What to look for in an AI receptionist for remortgaging.
Rate expiry timeline capture
The AI should ask for and log the approximate rate expiry month. This tells the adviser how urgent the case is and whether the client is at risk of slipping onto a reversion rate.
No rate or product guidance
Any system that attempts to compare rates or suggest whether a product transfer beats a remortgage is operating outside its authorisation. Verify that all such questions go directly to the adviser.
ERC capture without advice
ERC concerns are common in remortgage calls. The AI should note the concern and route it rather than attempting a calculation or recommendation.
Timely follow-up
Remortgage clients have a deadline. Confirm that the lead arrives in your CRM promptly with the expiry month flagged so the adviser can prioritise urgent cases.
Common questions
Everything you’re wondering.
Does Ava give remortgage advice or recommend specific rates?
No. Ava captures the enquiry details and books the consultation with your FCA-authorised adviser. She does not advise on products, compare rates, assess whether a product transfer is preferable to a remortgage, or provide any guidance that constitutes regulated mortgage advice.
What does Ava capture from a remortgage enquiry call?
The existing lender, approximate outstanding balance, the rate expiry month, any specific concern such as an early repayment charge, and the caller's contact details and preferred consultation time.
Can Ava handle questions about early repayment charges?
She notes the ERC concern in the lead record and confirms the adviser will address it. She does not calculate the charge, advise on whether paying it is cost-effective, or recommend a course of action.
Will Ava handle a caller asking whether they should remortgage or take a product transfer?
She acknowledges that this is exactly the right question for the adviser to answer and books the consultation. She does not offer a view on which option is preferable.
Can Ava handle debt consolidation remortgage enquiries?
She captures the nature of the request without advising on suitability. Consolidating debts into a mortgage is a significant financial decision that requires a full fact-find and regulated advice from your adviser.
What happens to remortgage calls outside office hours?
Ava captures the full enquiry and books a consultation for the next available adviser slot. Rate expiry timelines and ERC concerns are noted so the adviser can prioritise accordingly.
Does Ava help with remortgage timeline management?
She captures the rate expiry month so the adviser can see at a glance which clients are approaching their window. Managing the actual timeline and advice process sits with the adviser.
How quickly can Ava go live for a remortgage-focused broker?
Typically within 48 hours. We train her on your firm name, adviser availability, and service scope, then test against real remortgage enquiry scenarios before she takes a live call.
Pricing
Ava pays for herself on call one.
A remortgage case generates £500–£2,000 in broker fees and procuration. Remortgage clients are also prime prospects for protection and further advice. Miss the call and miss the pipeline. Plans from £397/mo. One recovered job a month covers it — everything else is pure upside.
More Mortgage Brokers & IFAs sectors
Book a 15-minute demo. See Ava handle a real remortgaging call — live.
No slides. No pitch. We dial in, run the scenario, and you see exactly what your customers will hear.
Start Ava →