Stay up-to-date with the latest application deadlines for each rate change in the later life market.
| Live date | Lender | Product | Rates changing | Closing rate from | New rates from | KFI end date | App submission deadline | LTM/Mortgage |
|---|
| 2 January 2026, 16:30 |
|
Lifetime - 2&5 year fixed |
Decrease
|
N/A | 5.43% MER | N/A | N/A | LTM |
| 18 December 2025, 00:01 |
|
Horizon and Horizon Interest Reward |
Decrease
|
N/A | 6.24% MER | N/A | N/A | LTM |
| 11 December 2025, 00:01 |
|
Horizon, Horizon Interest Reward |
Decrease
|
N/A | 6.16% MER | N/A | N/A | LTM |
| 8 December 2025, 09:00 |
|
Capital Select |
Decrease
|
N/A | 6.49% MER | N/A | 22 December 2025, 23:55 | LTM |
| 5 December 2025, 00:01 |
|
Emerald |
Decrease
|
N/A | 7.01% MER | N/A | N/A | LTM |
| 4 December 2025, 00:01 |
|
J6 |
Increase
|
N/A | 7.99% MER | N/A | 18 December 2025, 17:00 | LTM |
| 4 December 2025, 00:01 |
|
Tailored Enhanced |
Decrease
|
N/A | 7.00% MER | N/A | N/A | LTM |
| 2 December 2025, 00:01 |
|
Lump Sum and Lifestyle |
Increase
|
N/A | 6.60% AER | 1 December 2025, 16:00 | 17 December 2025, 23:59 | LTM |