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 |
|---|
| 6 December 2023, 00:01 |
|
J1 2, 2.5, 3 and 4 |
Decrease
|
N/A | 6.70% MER | N/A | N/A | LTM |
| 4 December 2023, 09:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite (Standard and Flexible) |
Decrease
|
N/A | 6.49% MER | N/A | N/A | LTM |
| 4 December 2023, 00:01 |
|
RIO (All products) |
Decrease
|
N/A | 6.15% MER | N/A | N/A | RIO |
| 1 December 2023, 00:01 |
|
Sovereign |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 1 December 2023, 00:01 |
|
Horizon 240 - 500 |
Decrease
|
N/A | 5.86% MER | N/A | N/A | LTM |
| 1 December 2023, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | 30 November 2023, 23:59 | 21 days from KFI | LTM |
| 1 December 2023, Instant |
|
Classic |
Decrease
|
N/A | 5.86% MER | N/A | N/A | LTM |
| 30 November 2023, 18:00 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 5.96% MER | N/A | N/A | LTM |
| 30 November 2023, 00:01 |
|
Capital Choice Ultra Lite 1-3, Super Lite 1-4 |
Decrease
|
N/A | 6.08% MER | N/A | N/A | LTM |
| 29 November 2023, 00:01 |
|
Sovereign |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 29 November 2023, 00:01 |
|
LS, FR |
Decrease
|
N/A | 6.20% MER | N/A | N/A | LTM |
| 28 November 2023, 00:01 |
|
Horizon 240, 260 & 280 |
Decrease
|
N/A | 5.98% MER | N/A | N/A | LTM |
| 28 November 2023, 00:01 |
|
APEX Plus & Super |
Decrease
|
N/A | 8.28% MER | N/A | N/A | LTM |
| 28 November 2023, Instant |
|
Classic |
Decrease
|
N/A | 5.95% MER | N/A | N/A | LTM |
| 27 November 2023, 18:00 |
|
RIO |
Decrease
|
N/A | 6.55% AER | N/A | N/A | RIO |
| 27 November 2023, 18:00 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 6.08% MER | N/A | N/A | LTM |
| 24 November 2023, 00:01 |
|
APEX |
Decrease
|
N/A | 8.36% MER | N/A | N/A | LTM |
| 23 November 2023, 09:00 |
|
Capital Select |
Decrease
|
N/A | 7.24% MER | 23 November 2023, 08:59 | N/A | LTM |
| 23 November 2023, 00:01 |
|
Emerald |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 23 November 2023, 00:01 |
|
Capital Choice |
Decrease
|
N/A | 6.25% MER | N/A | N/A | LTM |
| 23 November 2023, 00:01 |
|
Maxi Choice |
Decrease
|
N/A | 7.97% MER | 22 November 2023, 23:59 | N/A | LTM |
| 23 November 2023, 00:01 |
|
Horizon 240 & 280 - 450 |
Decrease
|
N/A | 6.03% MER | N/A | N/A | LTM |
| 23 November 2023, Instant |
|
Classic |
Decrease
|
N/A | 6.03% MER | N/A | N/A | LTM |
| 22 November 2023, 09:00 |
|
RIO |
Decrease
|
N/A | 6.40% MER | N/A | N/A | RIO |
| 22 November 2023, 08:00 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 6.25% MER | N/A | N/A | LTM |
| 22 November 2023, 00:01 |
|
J6 |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 21 November 2023, 00:01 |
|
Sovereign |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 21 November 2023, 00:01 |
|
Capital Choice |
Decrease
|
N/A | 6.25% MER | N/A | N/A | LTM |
| 21 November 2023, 00:01 |
|
Heritage |
Decrease
|
N/A | 7.20% MER | 20 November 2023, 23:59 | N/A | LTM |
| 20 November 2023, 13:00 |
|
Classic |
Decrease
|
N/A | 6.04% MER | N/A | N/A | LTM |
| 20 November 2023, 09:00 |
|
RIO |
Decrease
|
N/A | 6.55% MER | N/A | N/A | RIO |
| 20 November 2023, 09:00 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 6.35% MER | N/A | N/A | LTM |
| 18 November 2023, 00:01 |
|
Horizon |
Decrease
|
N/A | 6.08% MER | 17 November 2023, 23:59 | N/A | LTM |
| 17 November 2023, 00:01 |
|
Classic |
Decrease
|
N/A | 6.12% MER | N/A | N/A | LTM |
| 16 November 2023, 00:01 |
|
APEX |
Decrease
|
N/A | 8.36% MER | N/A | N/A | LTM |
| 16 November 2023, 00:01 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 6.90% MER | N/A | N/A | LTM |
| 15 November 2023, 00:01 |
|
Horizon |
Decrease
|
N/A | 6.26% MER | N/A | N/A | LTM |
| 15 November 2023, 00:01 |
|
Capital Choice |
Decrease
|
N/A | 6.39% MER | N/A | N/A | LTM |
| 15 November 2023, Instant |
|
Classic |
Decrease
|
N/A | 6.22% MER | N/A | N/A | LTM |
| 14 November 2023, 09:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite (Standard and Flexible) |
Decrease
|
N/A | 6.68% MER | N/A | N/A | LTM |
| 14 November 2023, 08:00 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 6.44% MER | N/A | N/A | LTM |
| 14 November 2023, 00:01 |
|
RIO & Standard Mortgage |
Increase and Decrease
|
N/A | 6.38% MER | N/A | N/A | RIO |
| 10 November 2023, 14:00 |
|
Classic |
Decrease
|
N/A | 6.30% MER | N/A | N/A | LTM |
| 10 November 2023, 00:01 |
|
Sovereign |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 10 November 2023, 00:01 |
|
Horizon 240 |
Decrease
|
N/A | 6.33% MER | N/A | N/A | LTM |
| 9 November 2023, 18:00 |
|
RIO |
Decrease
|
N/A | 6.79% MER | N/A | N/A | RIO |
| 9 November 2023, 18:00 |
|
All Lifetime Mortgages |
Decrease
|
N/A | 6.45% MER | N/A | N/A | LTM |
| 9 November 2023, 00:01 |
|
Emerald |
Decrease
|
N/A | 8.07% MER | N/A | N/A | LTM |
| 9 November 2023, 00:01 |
|
Capital Choice |
Decrease
|
N/A | 6.48% MER | N/A | N/A | LTM |
| 9 November 2023, 00:01 |
|
Maxi Choice |
Decrease
|
N/A | 8.18% MER | N/A | N/A | LTM |
| 9 November 2023, Instant |
|
Lifetime Mortgage Lite, Standard and Property+ |
Decrease
|
N/A | 6.98% MER | N/A | N/A | LTM |
| 8 November 2023, 09:00 |
|
Lifestyle Select Ultra Lite, Super Lite, Lite (Standard and Flexible) |
Decrease
|
N/A | 6.96% MER | N/A | N/A | LTM |
| 8 November 2023, Instant |
|
Classic |
Decrease
|
N/A | 6.40% MER | N/A | N/A | LTM |
| 7 November 2023, 08:00 |
|
Lifetime Mortgage Lump Sum+, Lifetime Mortgage Drawdown+ |
Decrease
|
N/A | 6.67% MER | N/A | N/A | LTM |
| 7 November 2023, 00:01 |
|
Horizon 300 - 450 |
Decrease
|
N/A | 6.76% MER | N/A | N/A | LTM |
| 6 November 2023, 00:01 |
|
Sovereign |
Decrease
|
N/A | N/A | 5 November 2023, 23:59 | 21 days from KFI | LTM |
| 2 November 2023, 00:01 |
|
Emerald |
Decrease
|
N/A | 8.29% MER | N/A | N/A | LTM |
| 2 November 2023, 00:01 |
|
Maxi Choice |
Decrease
|
N/A | 8.40% MER | N/A | N/A | LTM |
| 1 November 2023, 00:01 |
|
Horizon 240 - 300 |
Decrease
|
N/A | 6.43% MER | N/A | N/A | LTM |
| 1 November 2023, 00:01 |
|
Capital Choice |
Decrease
|
N/A | 6.57% MER | N/A | N/A | LTM |
| 1 November 2023, 00:01 |
|
LTM |
Increase
|
N/A | 7.34% MER | 31 October 2023, 23:59 | N/A | LTM |
| 30 October 2023, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | 29 October 2023, 23:59 | 21 days from KFI | LTM |
| 27 October 2023, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 8.49% MER | 26 October 2023, 23:59 | 16 November 2023, 23:59 | LTM |
| 27 October 2023, 00:01 |
|
RIO |
Decrease
|
N/A | 6.55% MER | N/A | N/A | RIO |
| 27 October 2023, Instant |
|
Classic |
Increase
|
N/A | 6.42% MER | N/A | 21 days from KFI | LTM |
| 26 October 2023, 00:01 |
|
Horizon |
Increase
|
N/A | 6.47% MER | 25 October 2023, 23:59 | 15 November 2023, 23:59 | LTM |
| 24 October 2023, 18:00 |
|
All Lifetime Mortgages |
Increase
|
N/A | 6.52% MER | 24 October 2023, 17:59 | 31 October 2023, 17:59 | LTM |
| 24 October 2023, 00:01 |
|
Sovereign |
Increase
|
N/A | 6.69% MER | 23 October 2023, 23:59 | 21 days from KFI | LTM |
| 20 October 2023, 00:01 |
|
Emerald |
Decrease
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 20 October 2023, 00:01 |
|
Maxi Choice |
Decrease
|
N/A | 8.22% MER | N/A | N/A | LTM |
| 19 October 2023, Instant |
|
Classic |
Decrease
|
N/A | 6.24% MER | N/A | N/A | LTM |
| 18 October 2023, 00:01 |
|
J1 And J2 |
Increase
|
N/A | 7.00% MER | 17 October 2023, 23:59 | 31 October 2023, 23:59 | LTM |
| 17 October 2023, 00:01 |
|
Horizon |
Decrease
|
N/A | 6.36% MER | 16 October 2023, 23:59 | N/A | LTM |
| 17 October 2023, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 8.43% MER | 16 October 2023, 23:59 | 6 November 2023, 23:59 | LTM |
| 16 October 2023, 00:01 |
|
Emerald |
Increase
|
N/A | 8.32% MER | 15 October 2023, 23:59 | 21 days from KFI | LTM |
| 12 October 2023, 00:01 |
|
Heritage |
Increase
|
N/A | 7.62% MER | 11 October 2023, 23:59 | 25 October 2023, 23:59 | LTM |
| 11 October 2023, 09:00 |
|
50+, Holiday BTL |
Decrease
|
N/A | 6.20% MER | N/A | N/A | RIO |
| 11 October 2023, 00:01 |
|
Capital Choice |
Increase
|
N/A | 6.57% MER | 10 October 2023, 23:59 | 31 October 2023, 23:59 | LTM |
| 11 October 2023, 00:01 |
|
J1, J2, J2.5, J3, J4 |
Increase
|
N/A | 6.90% MER | 10 October 2023, 23:59 | 25 October 2023, 16:59 | LTM |
| 10 October 2023, Instant |
|
Classic |
Increase
|
N/A | 6.16% MER | N/A | N/A | LTM |
| 7 October 2023, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 8.25% MER | 6 October 2023, 23:59 | 27 October 2023, 23:59 | LTM |
| 7 October 2023, 00:01 |
|
Horizon |
Increase
|
N/A | 6.47% MER | 6 October 2023, 23:59 | 27 October 2023, 23:59 | LTM |
| 6 October 2023, 00:01 |
|
Emerald |
Increase
|
N/A | 8.14% MER | 5 October 2023, 23:59 | 21 days from KFI | LTM |
| 6 October 2023, 00:01 |
|
Lifetime Mortgage Lump Sum+, Lifetime Mortgage Drawdown+ |
Increase
|
N/A | 6.91% MER | 5 October 2023, 23:59 | 20 October 2023, 12:00 | LTM |
| 4 October 2023, 18:00 |
|
All Lifetime Mortgages |
Increase
|
N/A | 6.40% MER | 4 October 2023, 17:59 | 11 October 2023, 18:00 | LTM |
| 3 October 2023, 00:01 |
|
RIO |
Increase
|
N/A | 6.68% MER | 2 October 2023, 23:59 | N/A | RIO |
| 29 September 2023, 00:01 |
|
Sovereign |
Decrease
|
N/A | 6.16% MER | N/A | N/A | LTM |
| 27 September 2023, Instant |
|
Classic |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
| 26 September 2023, 00:01 |
|
J6 |
Decrease
|
N/A | 8.69% MER | N/A | N/A | LTM |
| 23 September 2023, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 8.09% MER | 22 September 2023, 23:59 | 13 October 2023, 23:59 | LTM |
| 21 September 2023, 00:01 |
|
APEX |
Decrease
|
N/A | 8.46% MER | N/A | N/A | LTM |
| 20 September 2023, Instant |
|
Emerald |
Decrease
|
N/A | 7.98% MER | N/A | N/A | LTM |
| 19 September 2023, Instant |
|
Lifetime Mortgage, Property+ |
Decrease
|
N/A | 7.32% MER | N/A | N/A | LTM |
| 19 September 2023, Instant |
|
RIO |
Decrease
|
N/A | 6.48% MER | N/A | N/A | RIO |
| 16 September 2023, 00:01 |
|
APEX Plus and Super |
Decrease
|
N/A | 8.56% MER | N/A | N/A | LTM |
| 15 September 2023, 09:00 |
|
50+, RIO & Holiday BTL |
Increase
|
N/A | 6.50% MER | 12 September 2023, 16:59 | 12 September 2023, 17:00 | RIO |
| 6 September 2023, 00:01 |
|
J6 |
Decrease
|
N/A | 8.70% MER | 5 September 2023, 23:59 | N/A | LTM |
| 5 September 2023, 18:00 |
|
Pearl & Opal |
Decrease
|
N/A | 6.11% MER | 5 September 2023, 17:59 | N/A | LTM |
| 1 September 2023, 00:01 |
|
Maxi |
Decrease
|
N/A | 8.03% MER | 31 August 2023, 23:59 | N/A | LTM |
| 1 September 2023, 00:01 |
|
Heritage |
Increase
|
N/A | 7.42% MER | 31 August 2023, 23:59 | N/A | LTM |
| 30 August 2023, 00:01 |
|
Maxi |
Increase
|
N/A | 8.24% MER | 29 August 2023, 23:59 | 19 September 2023, 23:59 | LTM |
| 25 August 2023, 10:00 |
|
Lifestyle Select |
Increase
|
N/A | 7.35% MER | 25 August 2023, 09:59 | 1 September 2023, 17:00 | LTM |
| 22 August 2023, 00:01 |
|
Maxi Extra |
Increase
|
N/A | 8.17% MER | 21 August 2023, 23:59 | 11 September 2023, 18:00 | LTM |
| 22 August 2023, 00:01 |
|
All |
Increase
|
N/A | 6.75% MER | 21 August 2023, 23:59 | 28 August 2023, 18:00 | LTM |
| 21 August 2023, 10:00 |
|
Capital Select Super Lite, Lite, Gold and Gold Plus (Standard and Flexible) |
Increase
|
N/A | 7.53% MER | 21 August 2023, 09:59 | 29 August 2023, 16:59 | LTM |
| 17 August 2023, 18:00 |
|
RIO |
Increase
|
N/A | 6.94% MER | 17 August 2023, 17:59 | 17 August 2023, 17:59 | RIO |
| 17 August 2023, 18:00 |
|
All Lifetime Mortgage Products |
Increase
|
N/A | 6.27% MER | 17 August 2023, 17:59 | 24 August 2023, 17:00 | LTM |
| 17 August 2023, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | 16 August 2023, 23:59 | 21 days from KFI | LTM |
| 17 August 2023, Instant |
|
All |
Increase
|
N/A | 5.59% MER | N/A | N/A | RIO |
| 14 August 2023, 10:00 |
|
Capital Select Super Lite, Lite, Gold and Gold Plus (Standard and Flexible) |
Increase
|
N/A | 7.34% MER | 14 August 2023, 09:59 | 21 August 2023, 16:59 | LTM |
| 10 August 2023, 18:00 |
|
RIO |
Increase
|
6.59% MER | 6.64% MER | 10 August 2023, 17:59 | DIP by 17 August 2023, 17:00 | RIO |
| 10 August 2023, 18:00 |
|
Pearl, Opal, Carbon, Graphite, Black, Pink and Orange |
Increase
|
5.96% MER | 6.06% MER | 10 August 2023, 17:59 | DIP by 17 August 2023, 17:00 | LTM |
| 10 August 2023, 00:01 |
|
APEX |
Increase
|
N/A | 8.65% MER | 9 August 2023, 23:59 | 30 August 2023, 23:59 | LTM |
| 4 August 2023, 09:00 |
|
50+, RIO and Holiday BTL |
Increase
|
N/A | 6.80% MER | 1 August 2023, 16:59 | N/A | RIO |
| 4 August 2023, 00:01 |
|
LumpSum+, Drawdown+ |
Decrease
|
N/A | 6.39% MER | N/A | N/A | LTM |
| 4 August 2023, 00:01 |
|
All |
Decrease
|
N/A | 6.35% MER | 3 August 2023, 23:59 | N/A | LTM |
| 3 August 2023, 00:01 |
|
Capital Choice |
Decrease
|
N/A | 6.29% MER | N/A | N/A | LTM |
| 2 August 2023, 00:01 |
|
Horizon |
Decrease
|
N/A | 6.19% MER | N/A | N/A | LTM |
| 31 July 2023, 09:00 |
|
Capital Select Super Lite, Lite, Gold and Gold Plus (Standard and Flexible) |
Decrease
|
N/A | 6.78% MER | N/A | N/A | LTM |
| 28 July 2023, 00:01 |
|
LS, FR |
Decrease
|
N/A | 6.40% MER | N/A | N/A | LTM |
| 25 July 2023, 00:01 |
|
Lifestyle Flexible Option |
Decrease or Stay Same
|
N/A | N/A | N/A | 7 August 2023 | LTM |
| 21 July 2023, 00:01 |
|
APEX |
Decrease
|
N/A | 8.42% MER | 20 July 2023, 23:59 | N/A | LTM |
| 21 July 2023, 00:01 |
|
Heritage |
Increase
|
N/A | 7.42% MER | 20 July 2023, 23:59 | N/A | LTM |
| 20 July 2023, 17:00 |
|
RIO and Standard Mortgages |
Decrease
|
N/A | 6.94% MER | N/A | N/A | RIO |
| 20 July 2023, 00:01 |
|
Prime Midi 2 |
Increase
|
N/A | 7.86% MER | 19 July 2023, 23:59 | 2 August 2023, 23:59 | LTM |
| 19 July 2023, 00:01 |
|
All |
Increase
|
N/A | 6.70% MER | 18 July 2023, 23:59 | 2 August 2023, 16:59 | LTM |
| 17 July 2023, 00:01 |
|
Lifestyle Flexible Option |
Increase or Stay Same
|
N/A | N/A | 16 July 2023, 23:59 | 30 July 2023 | LTM |
| 17 July 2023, 00:01 |
|
RIO and Standard Mortgages |
Increase
|
N/A | 7.05% MER | 16 July 2023, 23:59 | N/A | RIO |
| 15 July 2023, 00:01 |
|
Maxi Choice |
Increase
|
N/A | 8.17% MER | 14 July 2023, 23:59 | 4 August 2023, 23:59 | LTM |
| 15 July 2023, 00:01 |
|
Horizon |
Increase
|
N/A | 6.38% MER | 14 July 2023, 23:59 | 4 August 2023, 23:59 | LTM |
| 14 July 2023, 00:01 |
|
APEX |
Increase
|
N/A | 8.79% MER | 13 July 2023, 23:59 | 20 July 2023, 23:59 | LTM |
| 14 July 2023, 00:01 |
|
All |
Increase
|
N/A | 6.53% MER | 13 July 2023, 23:59 | 28 July 2023, 12:00 | LTM |
| 13 July 2023, 00:01 |
|
Capital Choice |
Increase
|
N/A | 6.47% MER | 12 July 2023, 23:59 | 2 August 2023, 23:59 | LTM |
| 13 July 2023, 00:01 |
|
LS, FR |
Increase
|
N/A | 6.75% MER | 12 July 2023, 23:59 | N/A | LTM |
| 6 July 2023, 18:00 |
|
Carbon, Graphite |
Decrease
|
N/A | 6.12% MER | N/A | N/A | LTM |
| 6 July 2023, 00:01 |
|
Lifetime Mortgage Lump Sum+, Lifetime Mortgage Drawdown+ |
Decrease
|
N/A | 6.31% MER | N/A | N/A | LTM |
| 5 July 2023, Instant |
|
RIO and Standard Mortgages |
Increase
|
N/A | 6.94% MER | N/A | N/A | RIO |
| 3 July 2023, Instant |
|
Classic |
Increase
|
N/A | N/A | N/A | 21 days from KFI | LTM |
| 3 July 2023, Instant |
|
Flexi Choice |
Increase
|
N/A | 6.22% MER | N/A | 21 days from KFI | LTM |
