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Mortgage Newsletters in 2025: Guide for Brokers

If you’re a mortgage broker, your client list is probably more valuable than any ad campaign you’re running.


You’ve got years of enquiries, completions and remortgage dates sat quietly in your CRM. If the only time people hear from you is when their deal is about to end, you’re handing business back to comparison sites and lenders.


A simple, regular client newsletter is still one of the easiest ways to:

  • Stay visible

  • Pick up remortgage work

  • Trigger referrals


    …without living on social media or throwing money at PPC.


You can run this yourself with a bit of structure, or have it handled for you as part of a joined-up system where your email, blog and social posts all work together. This guide starts with the basics, then shows how that joined-up version works in practice.



Why Client Newsletters Still Work in 2025

Your clients are busy. They’re thinking about work, kids, bills, life. Their mortgage broker isn’t top of the list.


If they only ever see your name in the week they completed, they’ll forget who you are long before their rate ends.


A regular newsletter helps because:


  • Your name keeps appearing in their inbox

  • You can calm people down when rates move and the headlines go wild

  • They know exactly who to reply to when they have a question


It also fits neatly with Consumer Duty. You’re expected to treat customers fairly, support better outcomes and keep them informed in a way they can understand. Staying in touch with clear, ongoing updates – not just turning up at rate-end – is a simple, practical way to show you’re doing exactly that.



Compliance & Consent (FCA, GDPR, PECR)

Because you’re regulated, you can’t treat email like a random sales blast.

Three things to keep in mind:


1. Clear and balanced wording

Don’t over-promise, predict the future or cherry-pick facts. Use plain English, explain pros and cons, and avoid pressure-y language. That keeps you in line with the FCA’s “clear, fair and not misleading” expectations.


2. Legal basis to contact people

For email marketing in the UK, you’re dealing with GDPR and PECR. In practice for most brokers:

  • Existing customers can often be contacted under “soft opt-in” or legitimate interests, if they’d reasonably expect to hear from you and you always offer a quick opt-out

  • New web leads usually need a clear consent tick box or line saying they’re happy to receive updates and offers


3. Honest sign-up wording

Tell people what you’ll send and how often. For example:


“We’ll email you updates on the mortgage market. You can unsubscribe at any time.”


Always follow your network or compliance team’s rules first. This guide is general information, not formal compliance advice – add a one-line disclaimer to that effect on the page.



How Often Should Brokers Email Their Clients?

You don’t need daily emails. You do need a rhythm.


For most firms, a sensible starting point is:

  • One newsletter a month to your main client base

  • Extra reminder emails for people whose deals are coming up for renewal


If you’re currently emailing once a year (or not at all), a monthly newsletter is a big step up and very unlikely to annoy anyone, as long as it’s useful and not just “rate sale!!” every time.


A line you can reuse in your privacy notice or welcome email:

“We’ll send you a monthly email with insights on the mortgage market. You can unsubscribe with one click.”



What to Send: Ideas That Actually Lead to Cases

The easiest way to plan content is by client stage. Where are they in the journey, and what do they need from you right now?


New Enquiries & First-Time Buyers

These clients are often nervous and overwhelmed.


Useful topics:

  • Deposit saving tips

  • New mortgage schemes that help first-time buyers

  • Credit mistakes to avoid when applying for a mortgage

  • Fixed vs variable explained in plain English, with pros and cons

  • A quick case story: “How we helped X buy with a 5% deposit”


Active Cases (Pre-Offer & Pre-Completion)

Here, your main job is reassurance and clarity.


Ideas:

  • What to expect in the run-up to completion

  • Checklists: ID, deposit, life cover, buildings insurance

  • Short Q&A on surveys, down-valuations and chains


These reduce anxious phone calls and make you look organised and on top of things.


Post-Completion Clients

This is where a lot of brokers go quiet. You don’t need to.


Good topics here:

  • New homeowner checklist

  • Three money checks for your first year in the property

  • How remortgaging works and when you’ll usually be in touch

  • Introductions to trusted partners (protection, wills, landlord services etc.)


Remortgage & Product Transfer Pipeline

This is where newsletters really earn their keep.


Strong topics:

  • A summary of recent rate moves and what they mean in real life

  • What to do if your current lender sends you a new rate directly

  • Questions to ask before accepting a product transfer

  • Personalised reminders: “Your current deal ends in six months – here’s what that means”


By the time they think “we should look at our mortgage”, you’ve already been in touch with helpful, sensible content.



How to Structure the Newsletter Itself


Subject Line & Preheader

You don’t have to be clever. You do have to be clear.


Good rules:

  • Say what’s inside

  • Promise something useful

  • Occasionally use their first name or town


Examples:

  • “Emma, three ways to prepare for your next remortgage”

  • “What last week’s rate news actually means for you”

  • “New homeowner? Here’s your six-month checklist”


The preheader (the little line after the subject) should add detail, not repeat the same sentence.


Layout & Design

We recommend keeping things simple and phone-friendly.


At Summit Digital we create a formatted PDF newsletter for you each month. It’s branded to your firm and laid out so it’s easy for clients to read. The content is then repurposed so you can:

  • Host the PDF or articles on your website

  • Send an email that links back to it

  • Lift the content into blog posts


Structurally, whether you’re using our PDF or your own templates, a good newsletter layout usually has:

  • One main column

  • Logo at the top, short intro, then a few clear sections

  • Decent font size

  • One main button, e.g. “Book a quick review”


Personalisation & Segmentation

Start with basics:

  • Use first names where you can

  • Split your list into simple groups, for example:

    • Current homeowners

    • Landlords

    • Clients with deals ending in the next 12 months


You can refine this over time, but even this level makes content feel more relevant.



Bringing It Together: Newsletter, Blog and Social Working as One

So far we’ve talked about newsletters on their own. In reality, you’ll get much better results if your newsletter, blog and social posts all pull in the same direction.


Here’s how we run it for mortgage firms, and how you can think about it generally:

  • Each month we select five relevant article topics based on what’s happening in the news and what time of year it is (budget updates, rate changes, seasonal themes, etc.).

  • We write those articles in plain English and get them compliance-approved.

  • We format the content into a branded PDF newsletter for your clients.

  • We lift those five articles out as text versions, ready to go on your website as blog posts – which helps build your content library and boosts SEO.

  • We create five matching social posts for the month, and each one links to one of the articles now sitting on your site – so every post drives traffic back to your website, not someone else’s.


That means in one monthly cycle you get:

  • Email touchpoints

  • Fresh, relevant blog content

  • Consistent social content


…all built around the same topics, all pointing people back to your own site.

You can follow the same pattern yourself, or hand the whole thing over to us. The principle is the same: joined-up marketing that keeps clients informed and keeps your brand in front of them.



How Our Monthly Newsletter Package Fits Into This

If you like the joined-up idea but know you won’t keep on top of it every month, this is where we come in.


With our Monthly Newsletter Package, we don’t just drop content in a folder and wish you luck – we actually run the process for you.


Each month we:

  • Write and design a branded PDF client newsletter A client-facing PDF, branded to your firm, laid out and ready. It’s written for UK mortgage clients and designed to be easy to read.

  • Send the email to your clients for you We set up and send a client email from your usual email platform (or the system we agree together), with:

    • A short, clear email body

    • The PDF newsletter attached or linked So clients actually receive it – you’re not left downloading files and fiddling with templates.

  • Lift the articles onto your blog The same month’s content is provided as five UK mortgage articles, ready to go on your website as blog posts. Over time this builds a bank of useful content and supports your SEO.

  • Write and deploy five social posts Not just captions in a document. We:

    • Write five posts that tie in with that month’s topics

    • Include links back to the relevant articles on your site

    • Schedule/post them for you on your agreed social channels


The result:

  • A joined-up marketing strategy you haven’t had to spend time on

  • Your email, website and social all aligned

  • Every click from social and email goes back to your site, not someone else’s


You stay in control of tone, branding and compliance sign-off. We handle the blank page, the formatting and the deployment so it actually happens.


If you’d like us to run this for you each month, you can see what’s included – and request a sample here.



DIY vs Done-For-You: Which Is Better for You?

To finish, it’s really just a choice between time and headspace.


DIY will probably suit you if:

  • Someone on your team likes writing

  • You can protect time each month to plan, write and send

  • You’re happy managing layouts and compliance internally


Done-for-you will probably suit you if:

  • Emails and posts keep sliding to the bottom of the list

  • You want a joined-up newsletter, blog and social presence without three separate jobs

  • You’d rather review and approve than write from scratch


Either way, the goal is the same: show up regularly in your clients’ inboxes and feeds with something useful to say – and make sure every path leads back to your own website instead of someone else’s.


 
 
 

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