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 |
|---|
| 28 August 2025, Instant |
|
Resi retire and RIO new business |
Decrease
|
N/A | 5.65% MER | N/A | N/A | Mortgage |
| 27 August 2025, 00:01 |
|
Horizon |
Increase
|
N/A | 6.39% MER | 26 August 2025, 23:59 | 16 September 2025, 23:59 | LTM |
| 27 August 2025, 00:01 |
|
Maxi Choice & Maxi Zero |
Increase
|
N/A | 7.12% MER | 26 August 2025, 23:59 | 16 September 2025, 23:59 | LTM |
| 27 August 2025, 00:01 |
|
Emerald |
Increase
|
N/A | 6.99% MER | 26 August 2025, 23:59 | 21 day individual KFI validity | LTM |
| 22 August 2025, 00:01 |
|
Lifestyle |
Increase
|
N/A | 6.68% MER | 21 August 2025, 16:29 | 5 September 2025, 17:00 | LTM |
| 22 August 2025, 00:01 |
|
Plus |
Increase
|
N/A | 6.93% MER | 21 August 2025, 16:29 | 5 September 2025, 17:00 | LTM |
| 21 August 2025, 10:00 |
|
Capital Select |
Increase
|
N/A | 6.59% MER | 21 August 2025, 09:59 | 4 September 2025, 23:55 | LTM |
| 20 August 2025, 18:00 |
|
RIO's |
Increase
|
N/A | 6.75% MER | N/A | N/A | Mortgage |
| 20 August 2025, 00:01 |
|
Horizon |
Increase
|
N/A | 6.32% MER | 19 August 2025, 23:59 | 9 September 2025, 23:59 | LTM |
| 18 August 2025, 00:01 |
|
Classic |
Increase
|
N/A | 6.44% MER | N/A | N/A | LTM |
| 16 August 2025, 00:01 |
|
Classic |
Increase
|
N/A | N/A | N/A | N/A | LTM |
| 11 August 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.29% MER | N/A | N/A | LTM |
| 9 August 2025, 00:01 |
|
Horizon |
Decrease
|
N/A | 6.30% MER | 8 August 2025, 23:59 | N/A | LTM |
| 8 August 2025, 18:00 |
|
RIO |
Decrease
|
N/A | 6.7% MER | 8 August 2025, 17:59 | N/A | Mortgage |
| 8 August 2025, 17:30 |
|
Equity Release |
Increase
|
N/A | 6.94% MER | N/A | N/A | LTM |
| 8 August 2025, 00:01 |
|
Lifestyle |
Decrease
|
N/A | 6.30% MER | N/A | N/A | LTM |
| 8 August 2025, 00:01 |
|
Emerald |
Decrease
|
N/A | 6.84% MER | 8 August 2025, 00:01 | N/A | LTM |
| 8 August 2025, 00:01 |
|
Maxi Choice |
Decrease
|
N/A | 6.97% MER | 7 August 2025, 23:59 | N/A | LTM |
| 5 August 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.33% MER | 4 August 2025, 23:59 | N/A | LTM |
| 2 August 2025, 00:01 |
|
Horizon 200-300 and 400-550 |
Increase
|
N/A | 6.25% MER | 1 August 2025, 23:59 | 22 August 2025, 23:59 | LTM |
| 1 August 2025, 14:00 |
|
RIO |
Increase
|
N/A | 6.75% MER | N/A | N/A | Mortgage |
| 1 August 2025, 14:00 |
|
PTLM |
Increase
|
N/A | 6.68% MER | N/A | N/A | LTM |
| 1 August 2025, 00:01 |
|
Maxi Choice 7-year ERC plans |
Decrease
|
N/A | 7.07% MER | 31 July 2025, 23:59 | N/A | LTM |
| 1 August 2025, 00:01 |
|
Lifestyle and Drawdown |
Increase
|
N/A | 6.54% AER | 31 July 2025, 16:30 | 15 August 2025, 17:00 | LTM |
| 1 August 2025, 00:01 |
|
Emerald |
Decrease
|
N/A | 6.94% MER | 31 July 2025, 23:59 | 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
