Stay up-to-date with the latest application deadlines for each rate change in the later life market.
| Live date | Lender | Product | Rates changing | New rates from | KFI end date | App submission deadline | LTM/Mortgage |
|---|
| 3 August 2026, 00:01 |
|
Emerald |
Increase
|
7.67% MER | 2 August 2026, 23:59 | 23 August 2026, 23:59 | LTM |
| 1 August 2026, 00:01 |
|
Maxi |
Increase
|
7.78% MER | 31 July 2026 | 21 August 2026 | LTM |
| 29 July 2026, 00:01 |
|
Classic |
Decrease
|
6.62% MER | 29 July 2026 | 19 August 2026 | LTM |
| 29 July 2026, 00:01 |
|
Flexi |
Decrease
|
6.62% MER | 28 July 2026 | 18 August 2026 | LTM |
| 29 July 2026, 00:01 |
|
Horizon |
Decrease
|
6.54% MER | 28 July 2026 | 18 August 2026 | LTM |
| 25 July 2026, 00:01 |
|
Horizon |
Increase and Decrease
|
6.62% MER | 24 July 2026 | 14 August 2025, 23:59 | LTM |
| 24 July 2026, 00:01 |
|
Flexi |
Increase
|
6.68% MER | 23 July 2026, 23:59 | 14 August 2026, 23:59 | LTM |
| 24 July 2026, 00:01 |
|
Classic |
Increase
|
6.68% MER | 23 July 2026, 23:59 | 14 August 2026, 23:59 | LTM |
| 24 July 2026, 00:01 |
|
Maxi Super 2 and 3 |
Increase
|
7.67% MER | 23 July 2026, 23:59 | 13 August 2026, 23:59 | LTM |
| 24 July 2026, 00:01 |
|
Emerald |
Increase
|
7.56% MER | 23 July 2026, 23:59 | 13 August 2026, 23:59 | LTM |
| 22 July 2026, 10:00 |
|
Capital Select & Advantage |
Increase
|
6.95% MER | N/A | 5 August 2026 | LTM |
| 22 July 2026, 00:01 |
|
J3, J4 |
Increase
|
7.31% MER | 21 July 2026, 17:00 | 4 August 2026 | LTM |
| 20 July 2026, 00:01 |
|
Fixed RIO |
Increase
|
6.18% MER | N/A | N/A | Mortgage |
| 17 July 2026, 17:30 |
|
Standard, Five Year ERC, Six Month Offer, Spray Foam Restoration and Property+ |
Increase
|
7.63% MER | N/A | N/A | LTM |
| 17 July 2026, 00:01 |
|
Emerald |
Increase
|
7.56% MER | N/A | N/A | LTM |
| 17 July 2026, 00:01 |
|
Maxi |
Increase
|
7.67% MER | 16 July 2026, 23:59 | 6 August 2026, 23:59 | LTM |
| 16 July 2026, 00:01 |
|
RIO |
Decrease
|
5.19% MER | N/A | N/A | Mortgage |
| 15 July 2026, 10:00 |
|
Capital Select & Advantage |
Increase
|
6.78% MER | N/A | 29 July 2026 | LTM |
| 14 July 2026, 00:01 |
|
Flexi |
Increase
|
6.68% MER | N/A | 3 August 2026 | LTM |
| 14 July 2026, 00:01 |
|
Classic |
Increase
|
6.68% MER | N/A | N/A | LTM |
| 14 July 2026, 00:01 |
|
Horizon |
Increase
|
6.63% MER | N/A | 3 August 2026 | LTM |
| 14 July 2026, 00:01 |
|
Maxi |
Increase
|
7.48% MER | N/A | 3 August 2026 | LTM |
| 14 July 2026, 00:01 |
|
Emerald |
Increase
|
7.38% MER | N/A | N/A | LTM |
| 9 July 2026, 00:01 |
|
Horizon |
Increase
|
6.51% MER | 8 July 2026 | 29 July 2026 | LTM |
| 9 July 2026, 00:01 |
|
Classic |
Increase
|
6.60% MER | N/A | N/A | LTM |
| 9 July 2026, 00:01 |
|
Flexi |
Increase
|
6.60% MER | 8 July 2026 | 29 July 2026 | LTM |
| 7 July 2026, 00:01 |
|
Classic |
Increase
|
6.50% MER | N/A | N/A | LTM |
| 7 July 2026, 00:01 |
|
Flexi |
Increase
|
6.50% MER | 6 July 2026 | 27 July 2026 | LTM |
| 3 July 2026, 00:01 |
|
RIO |
Decrease
|
5.28% MER | N/A | N/A | Mortgage |
| 2 July 2026, 09:00 |
|
Capital Select & Advantage |
Decrease
|
6.64% MER | N/A | 16 July 2026, 23:55 | LTM |
| 1 July 2026, 09:00 |
|
RIO |
Decrease
|
5.83% MER | N/A | N/A | Mortgage |
| 1 July 2026, 00:01 |
|
Flexi |
Decrease
|
6.42% MER | 30 June 2026 | 21 July 2026 | LTM |
Advise Wise Limited, 2200 Century Way, Leeds, LS15 8ZB | Company registered in England and Wales. | Company number: 11705013 | Telephone: 0333 050 8771
