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 |
|---|
| 22 May 2026, 10:00 |
|
Capital Select & Advantage |
Increase
|
7.15% MER | N/A | 5 June 2026, 23:55 | LTM |
| 22 May 2026, 00:01 |
|
Classic |
Decrease
|
6.61% MER | N/A | N/A | LTM |
| 22 May 2026, 00:01 |
|
Flexi |
Decrease
|
6.61% MER | 21 May 2026, 23:59 | 11 June 2026, 23:59 | LTM |
| 21 May 2026, 18:00 |
|
RIO |
Increase
|
7.35% AER | N/A | N/A | Mortgage |
| 21 May 2026, 17:00 |
|
Lump Sum Plus and Drawdown Plus |
Increase
|
7.17% AER | N/A | N/A | LTM |
| 21 May 2026, 17:00 |
|
Lifestyle |
Decrease
|
6.84% AER | N/A | N/A | LTM |
| 19 May 2026, 00:01 |
|
RIO |
Decrease
|
5.40% MER | N/A | N/A | Mortgage |
| 18 May 2026, 09:00 |
|
Flexi |
Increase
|
6.92% MER | N/A | 7 June 2026, 23:59 | LTM |
| 18 May 2026, 09:00 |
|
Classic |
Increase
|
6.92% MER | N/A | N/A | LTM |
| 14 May 2026, 00:01 |
|
Lifestyle |
Increase
|
6.93% AER | 13 May 2026, 17:00 | N/A | LTM |
| 13 May 2026, 00:01 |
|
Flexi |
Increase
|
6.82% MER | N/A | 2 June 2026, 23:59 | LTM |
| 12 May 2026, 18:00 |
|
Classic |
Increase
|
6.82% MER | N/A | N/A | LTM |
| 11 May 2026, 00:01 |
|
Flexi |
Decrease
|
6.62% MER | N/A | 1 June 2026, 23:59 | LTM |
| 11 May 2026, 00:01 |
|
Classic |
Decrease
|
6.62% MER | N/A | N/A | LTM |
| 7 May 2026, 00:01 |
|
Flexi |
Decrease
|
6.64% MER | N/A | 28 May 2026, 23:59 | LTM |
| 6 May 2026, 17:00 |
|
Lump Sum Plus and Drawdown Plus |
Increase
|
6.97% AER | N/A | N/A | LTM |
| 5 May 2026, 00:01 |
|
RIO |
Increase
|
6.38% MER | N/A | N/A | Mortgage |
| 1 May 2026, 17:30 |
|
Standard, Five Year ERC and Six Month Offer ranges |
Increase
|
7.53% MER | N/A | N/A | LTM |
| 1 May 2026, 00:01 |
|
Resi Retire, Holiday Buy To Let |
Increase
|
6.02% MER | N/A | N/A | Mortgage |
| 30 April 2026, 00:01 |
|
Classic |
Increase
|
6.67% MER | N/A | N/A | LTM |
| 29 April 2026, 17:00 |
|
Lifestyle Lump Sum & Drawdown |
Increase
|
6.71% AER | N/A | N/A | LTM |
| 28 April 2026, 00:01 |
|
Horizon and Horizon Interest Rewards |
Increase
|
6.43% MER | N/A | N/A | LTM |
| 27 April 2026, 00:01 |
|
Classic |
Increase
|
6.50% MER | N/A | N/A | LTM |
| 27 April 2026, 00:01 |
|
Flexi |
Increase
|
6.50% MER | N/A | 18 May 2026, 23:59 | LTM |
| 24 April 2026, 00:01 |
|
Lifestyle |
Increase
|
6.65% AER | N/A | N/A | LTM |
| 23 April 2026, 00:01 |
|
Classic |
Increase and Decrease
|
6.42% MER | N/A | 14 May 2026, 23:59 | LTM |
| 23 April 2026, 00:01 |
|
Flexi |
Increase and Decrease
|
6.42% MER | N/A | N/A | LTM |
| 17 April 2026, 17:30 |
|
Standard, 5y ERC, & Month Offer |
Increase
|
7.33% MER | N/A | N/A | LTM |
| 16 April 2026, 18:00 |
|
RIO |
Increase
|
7.05% MER | N/A | N/A | Mortgage |
| 16 April 2026, 18:00 |
|
PTLM |
Decrease
|
6.77% MER | N/A | N/A | LTM |
| 16 April 2026, 09:00 |
|
Advantage |
Decrease
|
6.69% MER | N/A | N/A | LTM |
| 16 April 2026, 09:00 |
|
Capital Select |
Decrease
|
6.96% MER | N/A | N/A | LTM |
| 11 April 2026, 00:01 |
|
Horizon |
Decrease
|
6.40% MER | N/A | N/A | LTM |
| 10 April 2026, 00:01 |
|
Lifestyle LS and DD |
Decrease
|
6.56% AER | N/A | N/A | LTM |
| 10 April 2026, 00:01 |
|
Standard Resi |
Increase and Decrease
|
5.83% MER | N/A | N/A | Mortgage |
| 10 April 2026, 00:01 |
|
RIO |
Increase and Decrease
|
6.13% MER | N/A | N/A | Mortgage |
| 9 April 2026, 00:01 |
|
Classic |
Decrease
|
6.50% MER | N/A | N/A | LTM |
| 9 April 2026, 00:01 |
|
Flexi |
Decrease
|
6.50% MER | N/A | N/A | LTM |
| 9 April 2026, 00:01 |
|
J1-J6 |
Increase
|
7.20% MER | N/A | N/A | LTM |
| 8 April 2026, 09:00 |
|
Resi Retire, RIO, Holiday Buy To Let |
Increase
|
6.15% MER | N/A | N/A | Mortgage |
| 8 April 2026, 00:01 |
|
Emerald |
Increase
|
7.66% MER | N/A | N/A | LTM |
| 7 April 2026, 23:59 |
|
Maxi |
Increase
|
7.76% MER | N/A | 28 April 2026, 23:59 | LTM |
| 7 April 2026, 00:01 |
|
Equity Release |
Increase
|
7.63% MER | N/A | N/A | LTM |
| 2 April 2026, 00:01 |
|
Horizon |
Increase
|
6.45% MER | N/A | 22 April 2026, 23:59 | LTM |
| 1 April 2026, 00:01 |
|
Lifestyle and Plus |
Increase
|
6.71% AER | N/A | N/A | LTM |