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 |
|---|
| 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 |
|
Tailored Enhanced |
Decrease
|
N/A | 7.00% 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 |
| 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 |
| 28 November 2025, 00:01 |
|
Horizon |
Increase
|
N/A | 6.16% MER | N/A | N/A | LTM |
| 28 November 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.20% MER | N/A | N/A | LTM |
| 28 November 2025, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.20% MER | N/A | N/A | LTM |
| 26 November 2025, 00:01 |
|
Lifestyle and Plus |
Increase
|
N/A | 6.49% AER | 25 November 2025, 16:00 | 10 December 2025, 23:59 | LTM |
| 26 November 2025, 00:01 |
|
Horizon |
Increase
|
N/A | 6.36% MER | 25 November 2025, 23:59 | 16 December 2025, 23:59 | LTM |
| 21 November 2025, 00:01 |
|
Emerald |
Increase
|
N/A | 7.15%MER | N/A | N/A | LTM |
| 20 November 2025, 09:00 |
|
Capital Select Options |
Decrease
|
N/A | 6.78% MER | N/A | 4 December 2025, 23:55 | LTM |
| 19 November 2025, 09:00 |
|
Resi Retire & RIO |
Decrease
|
N/A | 5.39% MER | N/A | N/A | Mortgage |
| 18 November 2025, 00:01 |
|
Flexi |
Increase
|
N/A | 6.37%MER | 17 November 2025, 23:59 | N/A | LTM |
| 18 November 2025, 00:01 |
|
Classic |
Increase
|
N/A | 6.37%MER | 17 November 2025, 23:59 | N/A | LTM |
| 14 November 2025, 00:01 |
|
Plus |
Decrease
|
N/A | 6.57% AER | N/A | 28 November 2025, 23:59 | LTM |
| 13 November 2025, 00:01 |
|
Standard Mortgage |
Decrease
|
N/A | 5.48% MER | N/A | N/A | LTM |
| 13 November 2025, 00:01 |
|
RIO |
Decrease
|
N/A | 5.38% MER | Mortgage |
| 7 November 2025, 00:01 |
|
Emerald |
Decrease
|
N/A | 7.01% MER | N/A | N/A | LTM |
| 7 November 2025, 00:01 |
|
Lifestyle |
Decrease
|
N/A | 6.43% AER | N/A | N/A | LTM |
| 6 November 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.19% MER | N/A | N/A | LTM |
| 5 November 2025, 00:01 |
|
Horizon 240, 260, 450-570 |
Decrease
|
N/A | 6.08% MER | N/A | N/A | LTM |
| 5 November 2025, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.19% MER | N/A | 26 November 2025, 23:59 | LTM |
| 4 November 2025, 09:00 |
|
Resi Retire |
Decrease
|
N/A | 5.69% MER | N/A | N/A | Mortgage |
| 4 November 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.21% MER | N/A | N/A | LTM |
| 4 November 2025, 00:01 |
|
Horizon & Horizon Interest Rewards |
Decrease
|
N/A | 5.08% MER | N/A | N/A | LTM |
Advise Wise Limited, 2200 Century Way, Leeds, LS15 8ZB | Company registered in England and Wales. | Company number: 11705013 | Telephone: 0333 050 8771
