Outperforming 2024, 360 Lifecycle Sees 20.4% Jump in Q3 Lending Activity
Building on a strong first half of the year, 360 Lifecycle continued to demonstrate steady growth through Q3 2025. We facilitated £10.6 billion in lending, expanding adviser engagement, and surpassing 2.2 million FactFinds completed since 2015. While the quarter reflected the usual seasonal slowdown, platform usage, lending activity, and adviser growth all show continued confidence.
Platform engagement
Engagement across 360 Lifecycle remains on an upward journey, with more clients and advisers interacting digitally:
- 226,500+ Client Portal users, up 1.5% from Q2, 8.9% higher than Q3 2024
- 60,600+ FactFinds created in Q3, contributing to a total of over 2.2 million since 2015
- 6 million+ case records managed across the platform, a clear reflection of trust, scale, and reliability
Mortgage lending: £10.6 billion facilitated
Lending activity remained resilient through Q3 despite a quarter-on-quarter dip, with volumes comfortably ahead of last year’s levels:
- £10.6 billion in lending facilitated in Q3 2025, down 3.6% from Q2 but 20.4% higher year-on-year
- 44,000+ mortgages written, 2.4% lower than Q2 but up 15.8% compared with Q3 2024
- Over £357 billion in mortgage lending has been facilitated through 360 Lifecycle since 2010
Protection and general insurance trends
Protection and general insurance activity reflected a mixed picture this quarter, with protection easing slightly and general insurance showing a slight recovery:
- 15,100+ protection policies written, down 4.4% from Q2 and 5.6% lower than Q3 2024
- 2,000+ buildings and contents policies written, representing a 5.2% increase from Q2, though still 23% lower year-on-year
Top mortgage lenders
- Halifax retained the top position with 5,600+ mortgages written
- NatWest followed closely with 5,200+
- Nationwide rounded out the top three with 4,900+
Top protection providers
- L&G once again led the field with 3,000+ life and income protection policies
- Royal London followed with 2,700+
- Aviva took third place with 2,400+
Adviser activity and market trends
Advisers continued to adapt swiftly to evolving client needs and rate conditions, focusing on remortgage and retention opportunities:
- Remortgages increased by 32.6% year-on-year
- Product transfers rose by 46.4% compared with Q3 2024
Looking ahead
Although Q3 followed expected seasonal patterns, adviser activity and lending volumes remain ahead of 2024 levels, highlighting the market’s resilience. 360 Lifecycle continues to empower firms with the technology, data, and integrations they need to deliver efficient, client advice.
With affordability gradually improving and the potential for further interest rate adjustments in 2026, the outlook remains positive. 360 Lifecycle remains committed to supporting advisers through innovation and trusted partnerships that aid growth and success.
As we move into the final months of 2025, we look forward to building on this and seeing the impact of our efforts in 2026.
If you have any questions or would like more information, you can contact 360 Lifecycle on 0116 2408621 or email enquiries@360lifecycle.co.uk. Alternatively, you can visit www.360lifecycle.co.uk and follow us on LinkedIn and X @360Lifecycle.
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