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 |
|---|
| 7 October 2025, 00:01 |
|
Horizon standard & Interest Rewards |
Decrease
|
N/A | 6.36% MER | 6 October 2025, 23:59 | 27 October 2025, 23:59 | LTM |
| 2 October 2025, 18:00 |
|
RIO |
Decrease
|
N/A | 6.70% AER | 2 October 2025, 17:59 | N/A | Mortgage |
| 2 October 2025, 00:01 |
|
J1, J2, J2.5, J4 and J6 |
Increase and Decrease
|
N/A | 6.90% MER | N/A | 16 October 2025, 23:59 | LTM |
| 1 October 2025, 00:01 |
|
Omni |
Increase
|
N/A | 9.52% MER | 30 September 2025, 23:59 | N/A | LTM |
| 19 September 2025, 17:30 |
|
LVT10 Lifetime |
Increase
|
N/A | 7.24% MER | N/A | N/A | LTM |
| 12 September 2025, 00:01 |
|
LS+ and DD+ |
Increase
|
N/A | 7.00% AER | N/A | 26 September 2025, 23:59 | LTM |
| 10 September 2025, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 7.18% MER | 9 September 2025, 23:59 | 10 September 2025, 00:01 | LTM |
| 10 September 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.62% MER | N/A | N/A | LTM |
| 10 September 2025, 00:01 |
|
Horizon and Horizon Interest Reward |
Increase
|
N/A | 6.63% MER | 9 September 2025, 23:59 | 30 September 2025, 23:59 | LTM |
| 10 September 2025, 00:01 |
|
Capital Choice |
Increase
|
N/A | 7.15% MER | 9 September 2025, 23:59 | 30 September 2025, 23:59 | LTM |
| 10 September 2025, 00:01 |
|
Emerald |
Increase
|
N/A | 7.05% MER | N/A | N/A | LTM |
| 4 September 2025, 10:00 |
|
Capital Select excluding Platinum and Platinum Plus products for additional borrowing |
Increase
|
N/A | 7.01% MER | N/A | 18 September 2025, 23:55 | LTM |
| 3 September 2025, 00:01 |
|
Tailored Lifetime C3 - C7 |
Increase
|
N/A | 7.00% MER | 2 September 2025, 23:59 | 3 September 2025, 00:01 | LTM |
| 3 September 2025, 00:01 |
|
Classic |
Increase
|
N/A | 6.52% MER | N/A | N/A | LTM |
| 3 September 2025, 00:01 |
|
Omni |
Increase
|
N/A | 9.48% MER | 2 September 2025, 23:59 | N/A | LTM |
| 3 September 2025, 00:01 |
|
Horizon and Horizon Interest Reward |
Increase
|
N/A | 6.44% MER | 2 September 2025, 23:59 | 23 September 2025, 23:59 | LTM |
| 3 September 2025, 00:01 |
|
J1, J2, J2.5, J3 and J4 |
Increase
|
N/A | 6.71% MER | N/A | 17 September 2025, 23:59 | LTM |
| 3 September 2025, 00:01 |
|
Heritage |
Increase
|
N/A | 7.00% MER | N/A | N/A | LTM |
| 1 September 2025, 00:01 |
|
Retirement Interest Only 5 year discount |
Decrease
|
N/A | 5.34% MER | N/A | N/A | Mortgage |
Advise Wise Limited, 2200 Century Way, Leeds, LS15 8ZB | Company registered in England and Wales. | Company number: 11705013 | Telephone: 0333 050 8771
