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 |
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21 February 2025, 00:01 |
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Lifetime Mortgages except Property+ and Premier |
Decrease
|
N/A | 6.23% MER | 21 February 2025, 10:00 | 4 March 2025, 17:00 | LTM |
19 February 2025, 18:00 |
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RIO |
Increase
|
N/A | 6.45% MER | N/A | N/A | Mortgage |
19 February 2025, 18:00 |
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PTLM |
Increase
|
N/A | 6.29% MER | N/A | N/A | LTM |
11 February 2025, 18:00 |
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RIO |
Decrease
|
N/A | 6.35% MER | N/A | N/A | Mortgage |
11 February 2025, 18:00 |
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PTLM |
Decrease
|
N/A | 6.10% MER | N/A | N/A | LTM |
10 February 2025, 09:00 |
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Capital Select |
Decrease
|
N/A | 6.16% MER | N/A | N/A | LTM |
7 February 2025, 00:01 |
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Plus |
Decrease
|
N/A | 6.13% MER | N/A | N/A | LTM |
6 February 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.01% MER | N/A | N/A | LTM |
6 February 2025, 00:01 |
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Maxi 7 and Maxi Zero |
Decrease
|
N/A | 7.18% MER | N/A | N/A | LTM |
5 February 2025, 00:01 |
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Lifestyle |
Decrease
|
N/A | 5.98% MER | N/A | N/A | LTM |
5 February 2025, 00:01 |
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Capital Choice |
Decrease
|
N/A | 6.30% MER | N/A | N/A | LTM |
3 February 2025, 23:59 |
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Horizon and Horizon Interest Reward |
Decrease
|
N/A | 6.15% MER | N/A | N/A | LTM |
1 February 2025, 00:01 |
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Tailored Lifetime C3 & C6 |
Increase
|
N/A | 6.77% MER | 31 January 2025, 23:59 | 14 February 2025, 23:59 | LTM |
31 January 2025, 00:01 |
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Heritage |
Increase
|
N/A | 6.77% MER | N/A | N/A | LTM |
30 January 2025, 08:00 |
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Lifetime Rates |
Increase
|
N/A | 6.34% MER | 30 January 2025, 07:59 | 13 February 2025, 08:00 | LTM |
29 January 2025, 00:01 |
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LTM & ISM |
Increase
|
N/A | 6.25% MER | 28 January 2025, 23:59 | 12 February 2025, 23:59 | LTM |
28 January 2025, 18:00 |
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PTLM |
Decrease
|
N/A | 6.21% MER | N/A | N/A | LTM |
28 January 2025, 18:00 |
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RIO |
Decrease
|
N/A | 6.40% MER | N/A | N/A | Mortgage |
28 January 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.11% MER | 27 January 2025, 23:59 | N/A | LTM |
24 January 2025, 00:01 |
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Holiday BTL |
Increase
|
N/A | 5.85% MER | N/A | N/A | Mortgage |
24 January 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.11% MER | 23 January 2025, 23:59 | N/A | LTM |
24 January 2025, 00:01 |
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Capital Choice |
Decrease
|
N/A | 6.40% MER | 24 January 2025, 00:01 | N/A | LTM |
22 January 2025, 23:59 |
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Horizon and Horizon Interest Reward |
Decrease
|
N/A | 6.24%MER | N/A | N/A | LTM |
22 January 2025, 00:01 |
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Tailored Lifetime C1 - C7 |
Increase
|
N/A | 6.69% MER | 21 January 2025, 23:59 | 4 February 2025, 00:01 | LTM |
21 January 2025, 10:00 |
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Capital Select |
Increase
|
N/A | N/A | N/A | 28 January 2025, 17:00 | LTM |
21 January 2025, 00:01 |
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Maxi Plans |
Increase
|
N/A | 7.43% MER | N/A | 10 February 2025, 23:59 | LTM |
21 January 2025, 00:01 |
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Heritage |
Increase
|
N/A | 6.61% MER | N/A | N/A | LTM |
21 January 2025, 00:01 |
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Apex and Apex Interest Reward |
Increase
|
N/A | 8.49% MER | 20 January 2025, 23:59 | 10 February 2025, 23:59 | LTM |
20 January 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.24% MER | N/A | N/A | LTM |
20 January 2025, 00:01 |
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Emerald |
Increase
|
N/A | N/A | N/A | N/A | LTM |
17 January 2025, 00:01 |
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LS and FR |
Increase
|
N/A | 6.35% MER | N/A | N/A | LTM |
17 January 2025, 00:01 |
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Horizon and Horizon Interest Reward |
Increase
|
N/A | 6.38% MER | 16 January 2025, 23:59 | 6 February 2025, 23:59 | LTM |
17 January 2025, 00:01 |
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Lifestyle Maxi |
Increase
|
N/A | N/A | N/A | N/A | LTM |
16 January 2025, 00:01 |
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Capital Choice |
Increase
|
N/A | 6.54% MER | 15 January 2025, 23:59 | 5 February 2025, 23:59 | LTM |
15 January 2025, 00:01 |
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Sovereign |
Increase
|
N/A | N/A | N/A | N/A | LTM |
15 January 2025, 00:01 |
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J1-J4 |
Increase
|
N/A | 6.40% MER | N/A | 29 January 2025, 17:00 | LTM |
14 January 2025, 10:00 |
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Capital Select |
Increase
|
N/A | 6.30% MER | 6.30% MER | 28 January 2025, 17:00 | LTM |
14 January 2025, 00:01 |
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Lifestyle and Plus |
Increase
|
N/A | 6.13% MER | 13 January 2025, 16:00 | 27 January 2025, 12:00 | LTM |
11 January 2025, 00:01 |
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Horizon and Horizon Interest Reward |
Increase
|
N/A | N/A | 10 January 2025, 23:59 | 31 January 2025, 23:59 | LTM |
10 January 2025, 00:01 |
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Heritage |
Increase
|
N/A | 6.19% MER | N/A | 10 January 2025, 00:01 | LTM |
10 January 2025, 00:01 |
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LS and FR |
Increase
|
N/A | 6.05% MER | N/A | N/A | LTM |
9 January 2025, 18:00 |
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PTLM |
N/A
|
N/A | 6.44% MER | 9 January 2025, 17:59 | N/A | LTM |
9 January 2025, 18:00 |
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RIO |
Increase
|
N/A | 6.65% MER | 9 January 2025, 17:59 | N/A | Mortgage |
9 January 2025, 00:01 |
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Capital Choice |
Increase
|
N/A | 6.35% MER | 8 January 2025, 23:59 | 29 January 2025, 23:59 | LTM |
8 January 2025, 00:01 |
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Lifestyle |
Increase
|
N/A | 5.94% MER | 7 January 2025, 16:00 | 22 January 2025, 17:00 | LTM |
3 January 2025, 00:01 |
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Tailored Choice C8 |
Decrease
|
N/A | 7.64% MER | 2 January 2025, 23:59 | 16 January 2025, 23:59 | LTM |
3 January 2025, 00:01 |
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Tailored Choice C3, C4, C6 and C7 |
Increase
|
N/A | 6.24% MER | 2 January 2025, 23:59 | 16 January 2025, 23:59 | LTM |