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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17 April 2025, 00:01 |
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Tailored |
Increase
|
N/A | 6.90% MER | 16 April 2025, 23:59 | 7 May 2025, 23:59 | LTM |
17 April 2025, 00:01 |
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LTM & ISM |
Increase
|
N/A | 6.45% MER | 16 April 2025, 23:59 | 1 May 2025, 23:59 | LTM |
17 April 2025, 00:01 |
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Heritage |
Increase
|
N/A | 6.60% MER | 16 April 2025, 23:59 | 7 May 2025, 23:59 | LTM |
15 April 2025, 00:01 |
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Horizon |
Increase
|
N/A | 6.29% MER | 14 April 2025, 23:59 | 5 May 2025, 23:59 | LTM |
12 April 2025, 00:01 |
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Capital Choice |
Increase
|
N/A | 6.49% MER | 11 April 2025, 23:59 | 2 May 2025, 23:59 | LTM |
11 April 2025, 00:01 |
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Plus |
Increase
|
N/A | 6.63% AER | 10 April 2025, 23:59 | 29 April 2025, 15:00 | LTM |
11 April 2025, 00:01 |
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Lifestyle |
Increase
|
N/A | 6.68% AER | 10 April 2025, 23:59 | 29 April 2025, 15:00 | LTM |
10 April 2025, 18:00 |
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RIO |
Increase
|
N/A | 6.75% MER | 10 April 2025, 17:59 | N/A | Mortgage |
10 April 2025, 18:00 |
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PTLM |
Increase
|
N/A | 6.76% MER | 10 April 2025, 17:59 | N/A | LTM |
9 April 2025, 00:01 |
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Classic |
Increase
|
N/A | 6.39% MER | N/A | N/A | LTM |
7 April 2025, 18:00 |
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PTLM |
Decrease
|
N/A | 6.39% MER | N/A | N/A | LTM |
7 April 2025, 18:00 |
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RIO |
Decrease
|
N/A | 6.50% MER | N/A | N/A | Mortgage |
7 April 2025, 15:00 |
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Classic |
Decrease
|
N/A | 6.19% MER | N/A | N/A | LTM |
7 April 2025, 09:00 |
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Capital Select Options |
Decrease
|
N/A | 6.29% MER | 7 April 2025, 08:59 | 21 April 2025, 17:00 | LTM |
7 April 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.41% MER | N/A | N/A | LTM |
5 April 2025, 00:01 |
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Capital |
Decrease
|
N/A | 6.45% MER | 4 April 2025, 23:59 | N/A | LTM |
5 April 2025, 00:01 |
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Horizon 220-260 |
Decrease
|
N/A | 6.20% MER | 4 April 2025, 23:59 | 25 April 2025, 23:59 | LTM |
4 April 2025, 00:01 |
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RIO |
Decrease
|
N/A | 5.43% MER | N/A | N/A | Mortgage |
2 April 2025, 00:01 |
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In Retirement |
Increase
|
N/A | 5.89% AER | 1 April 2025, 23:59 | N/A | Mortgage |
1 April 2025, 00:01 |
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PTLM |
Increase
|
N/A | 6.59% MER | N/A | N/A | LTM |
1 April 2025, 00:01 |
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RIO |
Increase
|
N/A | 6.65% MER | N/A | N/A | Mortgage |
1 April 2025, 00:01 |
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Maxi Super 2 and 3 |
Increase
|
N/A | 6.91% MER | 31 March 2025, 23:59 | 21 April 2025, 23:59 | LTM |
29 March 2025, 00:01 |
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Capital Choice |
Increase
|
N/A | 6.54% MER | 28 March 2025, 23:59 | 18 April 2025, 23:59 | LTM |
28 March 2025, 00:01 |
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Lifestyle |
Increase
|
N/A | 6.38% AER | 27 March 2025, 15:59 | 11 April 2025, 17:00 | LTM |
28 March 2025, 00:01 |
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Emerald |
Increase and Decrease
|
N/A | N/A | 27 March 2025, 23:59 | 21 day validity on individual KFIs | LTM |
26 March 2025, 00:01 |
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Classic |
Increase
|
N/A | N/A | N/A | N/A | LTM |
25 March 2025, 18:00 |
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PTLM |
Increase
|
N/A | 6.39% MER | N/A | N/A | LTM |
25 March 2025, 18:00 |
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RIO |
Increase
|
N/A | 6.60% MER | N/A | N/A | Mortgage |
21 March 2025, 17:00 |
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RIO, TIO and C&I |
Increase and Decrease
|
N/A | 5.68% MER | N/A | N/A | Mortgage |
21 March 2025, 00:01 |
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Horizon and Horizon Interest Reward |
Decrease
|
N/A | 6.20% MER | 20 March 2025, 23:59 | N/A | LTM |
21 March 2025, 00:01 |
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Capital Choice |
Increase
|
N/A | 6.35% MER | N/A | N/A | LTM |
19 March 2025, 00:01 |
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LTM & ISM |
Increase
|
N/A | 6.25% MER | 18 March 2025, 23:59 | 2 April 2025, 23:59 | LTM |
19 March 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.39% MER | N/A | 21 day validity on individual KFIs | LTM |
18 March 2025, 00:01 |
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Heritage |
Increase
|
N/A | 6.37% MER | N/A | 31 March 2025, 23:59 | LTM |
14 March 2025, 00:01 |
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Plus |
Increase
|
N/A | N/A | 28 March 2025, 23:59 | LTM |
14 March 2025, 00:01 |
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Emerald |
Decrease
|
N/A | 6.73% MER | N/A | N/A | LTM |
14 March 2025, 00:01 |
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Classic |
Increase
|
N/A | 6.41% MER | N/A | N/A | LTM |
14 March 2025, 00:01 |
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Maxi Zero |
Increase
|
N/A | 7.69% MER | N/A | 3 April 2025, 23:59 | LTM |
14 March 2025, 00:01 |
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Maxi |
Decrease
|
N/A | 6.91% MER | N/A | 3 April 2025, 23:59 | LTM |
13 March 2025, 23:59 |
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Horizon and Horizon Interest Reward |
Increase
|
N/A | 6.24% MER | 13 March 2025, 23:59 | 3 April 2025, 23:59 | LTM |
13 March 2025, 00:01 |
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Capital |
Increase
|
N/A | 6.40% MER | 12 March 2025, 23:59 | 2 April 2025, 23:59 | LTM |
12 March 2025, 18:00 |
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RIO |
Increase
|
N/A | 6.45% MER | 12 March 2025, 17:59 | N/A | Mortgage |
12 March 2025, 18:00 |
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PTLM |
Increase
|
N/A | 6.29% MER | 12 March 2025, 17:59 | N/A | LTM |
11 March 2025, 10:00 |
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Capital Select Options |
Increase
|
N/A | 6.47% MER | 11 March 2025, 09:59 | 25 March 2025, 17:00 | LTM |
11 March 2025, 00:01 |
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Classic |
Increase
|
N/A | 6.20% MER | N/A | 21 day validity on individual KFIs | LTM |
6 March 2025, 00:01 |
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Maxi Choice and Maxi Zero |
Decrease
|
N/A | 7.09% MER | 5 March 2025, 23:59 | N/A | LTM |
4 March 2025, 00:01 |
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Heritage both standard range and interest serviced |
Increase
|
N/A | 6.37% MER | N/A | N/A | LTM |
4 March 2025, 00:01 |
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Tailored |
Increase
|
N/A | 6.88% MER | 3 March 2025, 23:59 | 17 March 2025, 23:59 | LTM |
4 March 2025, 00:01 |
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J6 |
Increase and Decrease
|
N/A | 6.25% MER | 3 March 2025, 23:59 | 18 March 2025, 23:59 | LTM |
3 March 2025, 18:00 |
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RIO |
Decrease
|
N/A | 6.35% MER | 3 March 2025, 17:59 | N/A | Mortgage |
3 March 2025, 18:00 |
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PTLM |
Decrease
|
N/A | 6.20% MER | 3 March 2025, 17:59 | N/A | LTM |
3 March 2025, 00:01 |
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Classic |
Decrease
|
N/A | 6.05% MER | 21 day validity on individual KFIs | N/A | LTM |
3 March 2025, 00:01 |
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RIO |
Decrease
|
N/A | 5.49% MER | 2 March 2025, 23:59 | N/A | Mortgage |