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What your maturity book is worth, and what the admin costs you.
When purchase approvals soften and maturities hold, the question stops being where the next case comes from. It becomes whether you reach the ones you already have, and what each one costs to push through.
- Mortgage broking
- Retention
- Case admin
- Pricing
The short answer
Enter your maturities a year, average revenue per retained case, the share you reach before they go elsewhere, and the hours a case takes. This returns the revenue lost to maturities you never reach, the hours the book consumes, and which constraint binds first — reach or throughput. It will tell you when neither is worth changing.
On this page · 5 sections
Two levers act on the same book. You can reach more of the maturities you already have, or you can spend fewer hours on each case. They are not equivalent, and which one matters depends entirely on your numbers.
The published research on the admin side is Nivo's, from more than seventy specialist lenders and brokers: on a typical secured loan case, fifteen to twenty rounds of messages and upwards of five hours on the broker-to-lender leg, and a thirty-five per cent chance of corrections. Put your own hours in below.
Your numbers
Opens on a worked example, not an industry average. Replace every figure with your own — there is no such thing as a default here.
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Show the working
Why the comparison is halved admin rather than none
Because none is not available. Every model that assumes a system removes all the administration is selling something, and the residual — the judgement, the exception, the conversation — is the part you were being paid for anyway.
Halving is ambitious and achievable. If the answer only tips when you assume a 90% cut, the honest reading is that throughput is not your problem.
What it leaves out
Client lifetime value, which makes retention worth more than one case. Referral effects. The cost of a case that goes wrong. All three push in the same direction — towards reach — and none of them is in the arithmetic above.
Questions people actually ask
How do I work out what my maturity book is worth?
Multiply the maturities you never reach in time by the conversion rate you actually achieve on the ones you do reach, and by your revenue per retained case. Assuming unreached maturities would all have converted overstates the prize, which is the error most retention pitches are built on.
Is retention or admin efficiency the better investment?
It depends on your numbers, which is what this compares. The honest comparison is the revenue in unreached maturities against the money released by halving your case admin — not against removing it, because no system removes the judgement, the exception or the conversation.
How many hours does a mortgage case take?
Research published by Nivo in May 2026, from conversations with more than 70 specialist lenders and brokers, found that a typical secured loan case takes upwards of five hours of administration on the broker-to-lender leg alone, 15 to 20 rounds of messages, and a 35% chance of a case coming back for corrections.
Does this ever say do nothing?
Yes. Below a few thousand pounds on both sides it says a calendar reminder and a template will outperform any system, because they will. That is the most common answer for a small book.
Sources
- Nivo, research published 7 May 2026 from in-depth conversations with more than 70 specialist lenders and brokers, reported by Mortgage Solutions: only half of submitted information right first time; for a typical secured loan case, 15–20 rounds of messages, more than five people and upwards of five hours of admin on the broker-to-lender leg; 35% of cases requiring corrections. mortgagesolutions.co.uk ↗ — vendor research, but with a named method and sample size. Used for the shape of a case, not as a default you must accept — the hours field is yours re-checked yearly
- Bank of England, “Money and Credit — July 2026”, published 1 September 2026: approvals for house purchase fell to 56,100 from 58,200 while remortgaging rose to 34,500 from 34,100 — the divergence that makes a maturity book the binding constraint. bankofengland.co.uk ↗ — primary; the central bank’s own monthly release, subject to revision re-checked every 30 days
- The comparison against halved rather than eliminated admin, and the decision to convert unreached maturities at the same rate as reached ones, are ours. Both make the answer smaller than a vendor’s version would. — our own model, with the conservative choices named
- Nothing entered here leaves the page. — first-party, and enforced by the build
Checked 23 September 2026. Next scheduled check 23 October 2026. Numbers that move — leaderboards, live indices — are re-checked every 30 days; annual datasets and rules in force every six months; dated research once a year. If something here has gone stale before we got to it, tell us and we will correct it and say what changed.
Knowing exactly who matures when is a data question.
It has a short answer and most firms do not have it — the calendar lives in a spreadsheet somebody updates on Fridays. We build the maturity view, the early contact, and the pack assembled to a specific lender’s spec, in that order, because that is the order the arithmetic ranks them.
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