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 |
|---|
| 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 |
| 29 June 2026, 17:00 |
|
Plus |
Decrease
|
6.62% AER | N/A | N/A | LTM |
| 29 June 2026, 00:01 |
|
Classic |
Decrease
|
6.42% MER | N/A | N/A | LTM |
| 29 June 2026, 00:01 |
|
Horizon |
Decrease
|
6.43% MER | N/A | N/A | LTM |
| 29 June 2026, 00:01 |
|
Flexi |
Decrease
|
6.42% MER | 28 June 2026 | 19 July 2026 | LTM |
| 25 June 2026, 17:30 |
|
Standard, Five Year ERC and Six Month Offer ranges & Spray Foam Restoration |
Decrease
|
7.53% MER | N/A | N/A | LTM |
| 25 June 2026, 17:00 |
|
Plus |
Decrease
|
6.69% AER | N/A | N/A | LTM |
| 25 June 2026, 00:01 |
|
Horizon 200-450 |
Decrease
|
6.49% MER | N/A | N/A | LTM |
| 24 June 2026, 09:00 |
|
RIO |
Decrease
|
6.04% MER | N/A | N/A | Mortgage |
| 24 June 2026, 00:01 |
|
Classic |
Decrease
|
6.47% MER | N/A | N/A | LTM |
| 24 June 2026, 00:01 |
|
Flexi |
Decrease
|
6.47% MER | 24 June 2026 | 15 July 2026 | LTM |
| 24 June 2026, 00:01 |
|
Horizon 500-570 |
Decrease
|
6.55% MER | N/A | N/A | LTM |
| 23 June 2026, 17:00 |
|
Lifestyle |
Decrease
|
6.69% AER | N/A | N/A | LTM |
| 18 June 2026, 09:00 |
|
Capital Select & Advantage |
Decrease
|
6.78% MER | N/A | 2 July 2026 | LTM |
| 18 June 2026, 00:01 |
|
Flexi |
Decrease
|
6.52% MER | 17 June 2026 | 8 July 2026 | LTM |
| 18 June 2026, 00:01 |
|
Classic |
Decrease
|
6.52% MER | N/A | N/A | LTM |
| 17 June 2026, 17:00 |
|
Plus |
Decrease
|
6.75% AER | LTM |
| 17 June 2026, 00:01 |
|
Horizon |
Decrease
|
6.55% MER | N/A | N/A | LTM |
| 16 June 2026, 17:00 |
|
Lifestyle Lump Sum & Drawdown |
Decrease
|
6.73% AER | LTM |
| 15 June 2026, 00:01 |
|
Classic |
Decrease
|
6.60% MER | LTM |
| 15 June 2026, 00:01 |
|
Flexi |
Decrease
|
6.60% MER | 14 June 2016 | 5 July 2026 | LTM |
| 9 June 2026, 00:01 |
|
Retirement Credit Revive Fixed to 31/08/2028 |
Decrease
|
5.85% MER | Mortgage |
| 9 June 2026, 00:01 |
|
RIO Fixed to 31/08/2029 & Retirement Fixed to 31/08/2029 |
Decrease
|
5.99% MER | Mortgage |
| 5 June 2026, 09:00 |
|
RIO |
Decrease
|
6.09% MER | N/A | N/A | Mortgage |
| 5 June 2026, 00:01 |
|
Emerald |
Decrease
|
7.28% MER | 4 June 2026, 23:59 | N/A | LTM |
| 4 June 2026, 09:00 |
|
Capital Select and Advantage |
Decrease
|
6.87% MER | N/A | 18 June 2026, 23:55 | LTM |
| 4 June 2026, 00:01 |
|
Horizon |
Decrease
|
6.64% MER | N/A | N/A | LTM |
| 2 June 2026, 17:00 |
|
Lifestyle and Plus |
Decrease
|
6.73% AER | N/A | N/A | LTM |
| 1 June 2026, 00:01 |
|
Classic |
Increase and Decrease
|
6.62% MER | N/A | N/A | LTM |
| 1 June 2026, 00:01 |
|
Flexi |
Increase and Decrease
|
6.62% 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
