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 |
|---|
| 27 October 2025, 00:01 |
|
2 Year & 5 Year Fixed RIO |
Decrease
|
N/A | 5.58% MER | N/A | N/A | Mortgage |
| 24 October 2025, 16:00 |
|
Classic |
Decrease
|
N/A | 6.39% MER | 24 October 2025, 16:00 | N/A | LTM |
| 24 October 2025, 16:00 |
|
Flexi |
Decrease
|
N/A | 6.39% MER | 24 October 2025, 16:00 | N/A | LTM |
| 24 October 2025, 00:01 |
|
Lifetime products |
Decrease
|
N/A | 7.24% MER | N/A | N/A | LTM |
| 24 October 2025, 00:01 |
|
Lifestyle |
Decrease
|
N/A | 6.60% AER | N/A | N/A | LTM |
| 23 October 2025, 00:01 |
|
Maxi Choice |
Increase and Decrease
|
N/A | 7.24% MER | 22 October 2025, 23:59 | 12 November 2025, 23:59 | LTM |
| 23 October 2025, 00:01 |
|
Emerald |
Increase and Decrease
|
N/A | 7.14% MER | 22 October 2025, 23:59 | 12 November 2025, 23:59 | LTM |
| 22 October 2025, 18:00 |
|
PTLM |
Increase and Decrease
|
N/A | 6.67% MER | 22 October 2025, 17:59 | N/A | LTM |
| 22 October 2025, 13:00 |
|
Horizon standard & Interest Rewards |
Decrease
|
N/A | 6.21% MER | 22 October 2025, 12:59 | N/A | LTM |
| 22 October 2025, 00:01 |
|
Classic |
Increase and Decrease
|
N/A | 6.44% MER | 21 October 2025, 23:59 | N/A | LTM |
| 20 October 2025, 00:01 |
|
RIO 2 year fixed |
Decrease
|
N/A | 6.24% MER | 19 October 2025, 23:59 | N/A | Mortgage |
| 20 October 2025, 00:01 |
|
Lifetime products |
Decrease
|
N/A | 5.68% MER | 19 October 2025, 23:59 | N/A | LTM |
| 15 October 2025, 00:01 |
|
Horizon standard & Interest Rewards |
Decrease
|
N/A | 6.26% MER | 14 October 2025, 23:59 | N/A | LTM |
| 15 October 2025, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.44% MER | N/A | N/A | LTM |
| 15 October 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.44% MER | N/A | N/A | LTM |
| 14 October 2025, 09:00 |
|
Resi retire, RIO, Resi & Holiday Let new business & Retention products |
Decrease
|
N/A | 5.39% MER | 14 October 2025, 8:59 | N/A | Mortgage |
| 11 October 2025, 00:01 |
|
Omni |
Decrease
|
N/A | 9.52% MER | 10 October 2025, 23:59 | N/A | LTM |
| 10 October 2025, 00:01 |
|
Lifestyle |
Decrease
|
N/A | 6.71% AER | N/A | N/A | LTM |
| 9 October 2025, 09:00 |
|
Capital Select |
Decrease
|
N/A | 7.01% | N/A | 23 October 2025, 23:55 | LTM |
| 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 |