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/RIO |
|---|
| 7 October 2022, 00:01 |
|
Tailored Enhanced |
Increase
|
N/A | 8.60% MER | 6 October 2022, 23:59 | 20 October 2022, 23:59 | LTM |
| 7 October 2022, 00:01 |
|
Sovereign, Sovereign Elite |
Increase
|
N/A | N/A | 6 October 2022, 23:59 | 21 days from KFI | LTM |
| 5 October 2022, 00:01 |
|
LS, FR |
Increase
|
N/A | 7.00% MER | 4 October 2022, 23:59 | N/A | LTM |
| 4 October 2022, 18:00 |
|
All |
Increase
|
N/A | 7.08% MER | 4 October 2022, 17:59 | 11 October 2022, 16:59 | LTM |
| 4 October 2022 |
|
Heritage Range, Freedom 20, Freedom 40, - All Super Max and Super Max Plus plans |
Increase
|
N/A | 7.97% MER | 3 October 2022, 23:59 | 17 October 2022, 23:59 | LTM |
| 4 October 2022, 00:01 |
|
All |
Increase
|
N/A | 7.95% MER | 3 October 2022, 23:59 | 18 October 2022, 16:59 | LTM |
| 4 October 2022, 00:01 |
|
Lite and Standard Fixed Rate |
Increase
|
N/A | 6.90% MER | 3 October 2022, 23:59 | N/A | LTM |
| 3 October 2022, Instant |
|
Flexi Choice |
Decrease
|
N/A | 5.87% MER | N/A | N/A | LTM |
| 3 October 2022, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | N/A | LTM |
| 1 October 2022, 00:01 |
|
Horizon |
Increase
|
N/A | 6.88% MER | 30 September 2022, 23:59 | 21 October 2022, 23:59 | LTM |
| 30 September 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 6.97% MER | 29 September 2022, 23:59 | 20 October 2022, 23:59 | LTM |
| 30 September 2022, 00:01 |
|
Lifestyle Flexible Option |
Increase
|
N/A | N/A | 29 September 2022, 16:29 | 13 October 2022 | LTM |
| 30 September 2022, 00:01 |
|
Sovereign, Sovereign Elite |
Increase
|
N/A | N/A | 29 September 2022, 23:59 | 21 days from KFI | LTM |
| 29 September 2022, 00:01 |
|
J1, J2, J2.5, Green, J3, J4, J6 |
Increase
|
N/A | 7.80% MER | 28 September 2022, 23:59 | 13 October 2022, 16:59 | LTM |
| 29 September 2022, 00:01 |
|
Sovereign, Sovereign Elite |
Increase
|
N/A | N/A | 28 September 2022, 23:59 | 21 days from KFI | LTM |
| 29 September 2022, 00:01 |
|
Lite and Standard Fixed Rate plans |
Increase
|
N/A | 5.90% MER | 28 September 2022, 23:59 | N/A | LTM |
| 28 September 2022, 10:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite, Gold and Gold Plus |
Increase
|
N/A | 5.58% MER | 28 September 2022, 09:59 | 12 October 2022, 16:59 | LTM |
| 28 September 2022, 00:01 |
|
All |
Increase
|
N/A | 6.79% MER | 27 September 2022, 16:30 | 12 October 2022, 12:00 | LTM |
| 28 September 2022, 00:01 |
|
Tailored Enhanced |
Increase
|
N/A | 7.50% MER | 27 September 2022, 23:59 | 11 October 2022, 23:59 | LTM |
| 28 September 2022, Instant |
|
Flexi Choice |
Increase
|
N/A | 6.17% MER | 27 September 2022, 23:59 | 21 days from KFI | LTM |
| 28 September 2022, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 27 September 2022, 18:00 |
|
All products |
Increase
|
N/A | 5.92% MER | 27 September 2022, 17:59 | 4 October 2022, 17:00 | LTM |
| 27 September 2022, 00:01 |
|
Horizon |
Increase
|
N/A | 5.98% MER | 26 September 2022, 23:59 | 17 October 2022, 23:59 | LTM |
| 27 September 2022, 00:01 |
|
Prime Choice |
Increase
|
N/A | 6.97% MER | 26 September 2022, 23:59 | 10 October 2022, 23:59 | LTM |
| 26 September 2022, 00:01 |
|
Sovereign, Sovereign Elite |
Increase
|
N/A | N/A | 25 September 2022, 23:59 | 21 days from KFI | LTM |
| 26 September 2022, 00:01 |
|
Lifestyle Flexible Option |
Increase or Stay Same
|
N/A | N/A | 23 September 2022, 16:29 | 9 October 2022 | LTM |
| 26 September 2022, Instant |
|
Flexi Choice |
Increase
|
N/A | 5.77% MER | N/A | 21 days form KFI | LTM |
| 26 September 2022, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 24 September 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 5.78% MER | 23 September 2022, 23:59 | 14 October 2022, 23:59 | LTM |
| 23 September 2022, Instant |
|
Flexi Choice |
Increase
|
N/A | 5.32% MER | N/A | 21 days from KFI | LTM |
| 23 September 2022, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 23 September 2022, 00:01 |
|
Horizon |
Increase
|
N/A | 5.32% MER | 22 September 2022, 23:59 | 13 October 2022, 23:59 | LTM |
| 22 September 2022, Instant |
|
Flexi Choice |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 22 September 2022, 10:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite, Gold and Gold Plus |
Increase
|
N/A | 5.48% MER | 22 September 2022, 09:59 | 6 October 2022, 16:59 | LTM |
| 22 September 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 5.35% MER | 21 September 2022, 23:59 | 12 October 2022, 23:59 | LTM |
| 22 September 2022, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 22 September 2022, 00:01 |
|
Heritage Range, Freedom 20, Freedom 40, - All Super Max and Super Max Plus plans |
Increase
|
N/A | 6.87% MER | 21 September 2022, 23:59 | 5 October 2022, 23:59 | LTM |
| 21 September 2022, 00:01 |
|
J1, J2, J2.5, Green, J3, J4, J6 |
Increase
|
N/A | 6.70% MER | 20 September 2022, 23:59 | 5 October 2022, 16:59 | LTM |
| 20 September 2022, Instant |
|
Classic |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 17 September 2022, 00:01 |
|
Tailored Enhanced |
Increase
|
N/A | 7.35% MER | 16 September 2022, 23:59 | 30 September 2022, 23:59 | LTM |
| 16 September 2022, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | 15 September 2022, 23:59 | 21 days from KFI | LTM |
| 15 September 2022, 18:00 |
|
All |
Increase
|
N/A | 5.51% MER | 15 September 2022, 17:59 | 23 September 2022, 16:59 | LTM |
| 15 September 2022, 16:30 |
|
Lifetime Mortgage Drawdown+, Lifetime Mortgage Lump Sum+ |
Increase
|
N/A | 5.38% MER | 15 September 2022, 16:29 | 30 September 2022, 12:00 | LTM |
| 15 September 2022, 00:01 |
|
Heritage Range, Freedom 20 and Freedom 40 - All Super Max and Super Max Plus plans |
Increase
|
N/A | 6.72% MER | 14 September 2022, 23:59 | 28 September 2022, 23:59 | LTM |
| 15 September 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 5.08% MER | 14 September 2022, 23:59 | 5 October 2022, 23:59 | LTM |
| 14 September 2022, 00:01 |
|
All Maxi Choice plans |
Increase
|
N/A | 6.39% MER | 13 September 2022, 23:59 | 4 October 2022, 23:59 | LTM |
| 13 September 2022, 00:01 |
|
Prime Choice |
Increase
|
N/A | 6.74% MER | 12 September 2022, 23:59 | 26 September 2022, 23:59 | LTM |
| 13 September 2022, 00:01 |
|
Horizon |
Increase
|
N/A | 5.13% MER | 12 September 2022, 23:59 | 3 October 2022, 23:59 | LTM |
| 12 September 2022, 00:01 |
|
LS, FR |
Increase
|
5.04% MER | 5.70% MER | 10 September 2022, 16:00 | 19 September 2022, 16:00 | LTM |
| 9 September 2022, Instant |
|
J1, J2, J2.5, Green, J3, J4, J6 |
Increase
|
N/A | 6.55% MER | 8 September 2022, 23:59 | 26 September 2022, 16:59 | LTM |
| 9 September 2022, 10:00 |
|
Capital Select Super Lite, Lite, Gold, Gold Plus, Platinum and Platinum Plus |
Increase
|
N/A | 6.02% MER | 9 September 2022, 09:59 | 23 September 2022, 16:59 | LTM |
| 9 September 2022, 10:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite, Gold and Gold Plus |
Increase
|
N/A | 5.28% MER | 9 September 2022, 09:59 | 23 September 2022, 16:59 | LTM |
| 9 September 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 4.94% MER | 8 September 2022, 23:59 | 29 September 2022, 23:59 | LTM |
| 8 September 2022, 00:01 |
|
Lifetime Mortgage Drawdown+, Lifetime Mortgage Lump Sum+ |
Increase
|
N/A | 4.99% MER | 7 September 2022, 16:29 | 22 September 2022, 12:00 | LTM |
| 7 September 2022, 14:19 |
|
Classic |
Increase
|
N/A | 5.10% MER | 6 September 2022, 23:59 | 21 days from KFI | LTM |
| 7 September 2022, 14:18 |
|
Flexi Choice |
Increase
|
N/A | 5.10% MER | 6 September 2022, 23:59 | 21 days from KFI | LTM |
| 7 September 2022, 00:01 |
|
All |
Increase or Stay Same
|
N/A | N/A | 6 September 2022, 16:29 | 20 September 2022 | LTM |
| 7 September 2022, 00:01 |
|
Sovereign, Sovereign Elite |
Increase
|
N/A | N/A | 6 September 2022, 23:59 | 21 days from KFI | LTM |
| 7 September 2022, 00:01 |
|
Horizon |
Increase
|
N/A | 4.84% MER | 6 September 2022, 23:59 | 27 September 2022, 23:59 | LTM |
| 6 September 2022, 18:00 |
|
All |
Increase
|
N/A | N/A | 6 September 2022, 17:59 | 13 September 2022 | LTM |
| 3 September 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 4.75% MER | 2 September 2022, 23:59 | 23 September 2022, 23:59 | LTM |
| 2 September 2022, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 5.96% MER | 1 September 2022, 23:59 | 22 September 2022, 23:59 | LTM |
| 1 September 2022, 00:01 |
|
Tailored |
Increase
|
N/A | 6.90% MER | N/A | 14 September 2022, 23:59 | LTM |
| 1 September 2022, 00:01 |
|
All |
Increase
|
N/A | 5.04% MER | N/A | N/A | LTM |
| 31 August 2022, Instant |
|
Flexi |
Increase
|
N/A | 4.71% MER | N/A | 21 days from KFI | LTM |
| 31 August 2022, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 31 August 2022, 16:30 |
|
All |
Increase, Decrease, or Stay Same
|
N/A | N/A | N/A | 13 September 2022, 23:59 | LTM |
| 31 August 2022, 10:00 |
|
Lifestyle Select |
Increase
|
N/A | 4.91% MER | 31 August 2022, 09:59 | 14 September 2022, 17:00 | LTM |
| 31 August 2022, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 31 August 2022, 00:01 |
|
All |
Increase
|
N/A | 4.74% MER | N/A | N/A | LTM |
| 31 August 2022, 00:01 |
|
Heritage |
Increase
|
N/A | 6.25% MER | N/A | N/A | LTM |
| 30 August 2022, 16:05 |
|
Flexi |
Increase
|
N/A | 4.51% MER | N/A | 21 days from KFI | LTM |
| 27 August 2022, 00:01 |
|
Horizon |
Increase
|
N/A | 4.55% MER | 26 August 2022, 23:59 | 16 September 2022, 23:59 | LTM |
| 26 August 2022, 17:00 |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 26 August 2022, 00:01 |
|
J1 J2 J2.5 Green J3 J4 J6 |
Increase
|
N/A | 6.05% MER | N/A | 9 September 2022, 23:59 | LTM |
| 26 August 2022, 00:01 |
|
Prime |
Increase
|
N/A | 6.46% MER | 25 August 2022, 23:59 | 8 September 2022, 23:59 | LTM |
| 25 August 2022, 18:00 |
|
All |
Increase
|
N/A | 4.71% MER | 25 August 2022, 16:59 | 2 September 2022, 17:00 | LTM |
| 25 August 2022, 17:00 |
|
Sovereign, Sovereign Elite |
Increase
|
N/A | N/A | N/A | N/A | LTM |
| 25 August 2022, 10:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite, Gold, Gold Plus |
Increase
|
N/A | 4.60% MER | 25 August 2022, 09:59 | 8 September 2022, 16:59 | LTM |
| 25 August 2022, 00:01 |
|
Capital Choice |
Increase
|
N/A | 4.51% MER | 24 August 2022, 23:59 | 14 September 2022, 23:59 | LTM |
| 24 August 2022, 00:01 |
|
Lifestyle Flexible Option |
Increase or Stay Same
|
N/A | N/A | 23 August 2022, 16:30 | 7 September 2022, 23:59 | LTM |
| 23 August 2022, 00:01 |
|
Horizon 300, 350, 400, 45 620, 680 |
Increase
|
N/A | 4.27% MER | 22 August 2022, 23:59 | 12 September 2022, 23:59 | LTM |
| 22 August 2022, 17:00 |
|
Classic |
Increase
|
N/A | N/A | 22 August 2022, 16:59 | 21 days from KFI | LTM |
| 16 August 2022, 00:01 |
|
Capital Choice Ultra Lite, Super Lite 1-4, Lite |
Decrease
|
N/A | 4.27% MER | N/A | N/A | LTM |
| 16 August 2022, 00:01 |
|
Lifetime Mortgage Drawdown+, Lifetime Mortgage Lump Sum+ |
Decrease
|
N/A | 4.30% MER | N/A | N/A | LTM |
| 12 August 2022, 00:01 |
|
LS, FR |
Decrease
|
4.89% MER | 4.54% MER | N/A | N/A | LTM |
| 11 August 2022, 00:01 |
|
Tailored Enhanced |
Decrease
|
N/A | 6.55% MER | N/A | N/A | LTM |
| 11 August 2022, 00:01 |
|
J1, J2, J2.5, Green, J3, J4, J6 |
Decrease
|
N/A | 5.70% MER | N/A | N/A | LTM |
| 11 August 2022, 00:01 |
|
Heritage, Heritage Freedom 20, Freedom 40 |
Decrease
|
N/A | 5.9% MER | N/A | N/A | LTM |
| 11 August 2022, 18:00 |
|
All Plans except Indigo and Violet |
Decrease
|
N/A | 4.47% MER | N/A | N/A | LTM |
| 10 August 2022 |
|
Classic |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 9 August 2022, 00:01 |
|
Horizon 300, 350, 400, 450, 500, 550, 600, 620, 680 and 700 |
Decrease
|
N/A | 4.17% MER | N/A | N/A | LTM |
| 5 August 2022, 00:01 |
|
Lifestyle Flexible Option |
Increase, Decrease, or Stay Same
|
N/A | N/A | 4 August 2022 | 18 August 2022 | LTM |
| 5 August 2022, 09:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite, Gold and Gold Plus |
Decrease
|
N/A | 4.30% MER | N/A | N/A | LTM |
| 1 August 2022 |
|
Sovereign, Sovereign Elite |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 29 July 2022, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 5.49% MER | 28 July 2022, 23:59 | 18 August 2022, 23:59 | LTM |
| 27 July 2022, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | 21 Days from KFI | N/A | LTM |
| 26 July 2022, 00:01 |
|
Lite and Standard Fixed Rate plans |
Increase
|
N/A | 5.09% MER | 25 July 2022, 23:59 | 25 July 2022, 17:30 | LTM |
| 23 July 2022, 00:01 |
|
Capital Choice Super Lite 1 - 4, Capital Choice Lite and Capital Choice |
Decrease
|
N/A | 4.38% MER | N/A | N/A | LTM |
| 21 July 2022, 00:01 |
|
Horizon 300,350,400, 620, 730, 780 & 800 |
Decrease
|
N/A | 4.31% MER | N/A | N/A | LTM |
| 21 July 2022, 00:01 |
|
Lifetime Mortgage Drawdown+, Lifetime Mortgage Lump Sum+ |
Decrease
|
N/A | 4.42% MER | N/A | N/A | LTM |
| 18 July 2022, 00:01 |
|
Lifestyle Flexible Option |
Increase, Decrease, or Stay Same
|
N/A | N/A | 17 July 2022 | 31 July 2022 | LTM |
| 18 July 2022, 00:01 |
|
Heritage Supreme Max Plus Cashback |
Decrease
|
N/A | 7.35% MER | N/A | 31 July 2022, 23:59 | LTM |
| 15 July 2022 |
|
Sovereign, Sovereign Elite |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
