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Rate Table

Stay up-to-date with the latest application deadlines for each rate change in the later life market.

Filter by LTM or RIO

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 Just J1 2, 2.5, 3 and 4
Decrease
N/A 6.70% MER N/A N/A LTM
4 December 2023, 09:00 Canada Life 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 LiveMore RIO (All products)
Decrease
N/A 6.15% MER N/A N/A RIO
1 December 2023, 00:01 Pure Sovereign
Decrease
N/A N/A N/A N/A LTM
1 December 2023, 00:01 Standard Life Horizon 240 - 500
Decrease
N/A 5.86% MER N/A N/A LTM
1 December 2023, 00:01 Pure Emerald
Increase
N/A N/A 30 November 2023, 23:59 21 days from KFI LTM
1 December 2023, Instant Pure Classic
Decrease
N/A 5.86% MER N/A N/A LTM
30 November 2023, 18:00 L&G All Lifetime Mortgages
Decrease
N/A 5.96% MER N/A N/A LTM
30 November 2023, 00:01 More2Life 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 Pure Sovereign
Decrease
N/A N/A N/A N/A LTM
29 November 2023, 00:01 Scottish Widows LS, FR
Decrease
N/A 6.20% MER N/A N/A LTM
28 November 2023, 00:01 Standard Life Horizon 240, 260 & 280
Decrease
N/A 5.98% MER N/A N/A LTM
28 November 2023, 00:01 More2Life APEX Plus & Super
Decrease
N/A 8.28% MER N/A N/A LTM
28 November 2023, Instant Pure Classic
Decrease
N/A 5.95% MER N/A N/A LTM
27 November 2023, 18:00 L&G RIO
Decrease
N/A 6.55% AER N/A N/A RIO
27 November 2023, 18:00 L&G All Lifetime Mortgages
Decrease
N/A 6.08% MER N/A N/A LTM
24 November 2023, 00:01 More2Life APEX
Decrease
N/A 8.36% MER N/A N/A LTM
23 November 2023, 09:00 Canada Life Capital Select
Decrease
N/A 7.24% MER 23 November 2023, 08:59 N/A LTM
23 November 2023, 00:01 Pure Emerald
Decrease
N/A N/A N/A N/A LTM
23 November 2023, 00:01 More2Life Capital Choice
Decrease
N/A 6.25% MER N/A N/A LTM
23 November 2023, 00:01 More2Life Maxi Choice
Decrease
N/A 7.97% MER 22 November 2023, 23:59 N/A LTM
23 November 2023, 00:01 Standard Life Horizon 240 & 280 - 450
Decrease
N/A 6.03% MER N/A N/A LTM
23 November 2023, Instant Pure Classic
Decrease
N/A 6.03% MER N/A N/A LTM
22 November 2023, 09:00 Hodge RIO
Decrease
N/A 6.40% MER N/A N/A RIO
22 November 2023, 08:00 LV All Lifetime Mortgages
Decrease
N/A 6.25% MER N/A N/A LTM
22 November 2023, 00:01 Just J6
Decrease
N/A N/A N/A N/A LTM
21 November 2023, 00:01 Pure Sovereign
Decrease
N/A N/A N/A N/A LTM
21 November 2023, 00:01 More2Life Capital Choice
Decrease
N/A 6.25% MER N/A N/A LTM
21 November 2023, 00:01 Pure Heritage
Decrease
N/A 7.20% MER 20 November 2023, 23:59 N/A LTM
20 November 2023, 13:00 Pure Classic
Decrease
N/A 6.04% MER N/A N/A LTM
20 November 2023, 09:00 L&G RIO
Decrease
N/A 6.55% MER N/A N/A RIO
20 November 2023, 09:00 L&G All Lifetime Mortgages
Decrease
N/A 6.35% MER N/A N/A LTM
18 November 2023, 00:01 Standard Life Horizon
Decrease
N/A 6.08% MER 17 November 2023, 23:59 N/A LTM
17 November 2023, 00:01 Pure Classic
Decrease
N/A 6.12% MER N/A N/A LTM
16 November 2023, 00:01 More2Life APEX
Decrease
N/A 8.36% MER N/A N/A LTM
16 November 2023, 00:01 Just All Lifetime Mortgages
Decrease
N/A 6.90% MER N/A N/A LTM
15 November 2023, 00:01 Standard Life Horizon
Decrease
N/A 6.26% MER N/A N/A LTM
15 November 2023, 00:01 More2Life Capital Choice
Decrease
N/A 6.39% MER N/A N/A LTM
15 November 2023, Instant Pure Classic
Decrease
N/A 6.22% MER N/A N/A LTM
14 November 2023, 09:00 Canada Life 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 LV All Lifetime Mortgages
Decrease
N/A 6.44% MER N/A N/A LTM
14 November 2023, 00:01 LiveMore RIO & Standard Mortgage
Increase and Decrease
N/A 6.38% MER N/A N/A RIO
10 November 2023, 14:00 Pure Classic
Decrease
N/A 6.30% MER N/A N/A LTM
10 November 2023, 00:01 Pure Sovereign
Decrease
N/A N/A N/A N/A LTM
10 November 2023, 00:01 Standard Life Horizon 240
Decrease
N/A 6.33% MER N/A N/A LTM
9 November 2023, 18:00 L&G RIO
Decrease
N/A 6.79% MER N/A N/A RIO
9 November 2023, 18:00 L&G All Lifetime Mortgages
Decrease
N/A 6.45% MER N/A N/A LTM
9 November 2023, 00:01 Pure Emerald
Decrease
N/A 8.07% MER N/A N/A LTM
9 November 2023, 00:01 More2Life Capital Choice
Decrease
N/A 6.48% MER N/A N/A LTM
9 November 2023, 00:01 More2Life Maxi Choice
Decrease
N/A 8.18% MER N/A N/A LTM
9 November 2023, Instant LiveMore Lifetime Mortgage Lite, Standard and Property+
Decrease
N/A 6.98% MER N/A N/A LTM
8 November 2023, 09:00 Canada Life 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 Pure Classic
Decrease
N/A 6.40% MER N/A N/A LTM
7 November 2023, 08:00 LV Lifetime Mortgage Lump Sum+, Lifetime Mortgage Drawdown+
Decrease
N/A 6.67% MER N/A N/A LTM
7 November 2023, 00:01 Standard Life Horizon 300 - 450
Decrease
N/A 6.76% MER N/A N/A LTM
6 November 2023, 00:01 Pure Sovereign
Decrease
N/A N/A 5 November 2023, 23:59 21 days from KFI LTM
2 November 2023, 00:01 Pure Emerald
Decrease
N/A 8.29% MER N/A N/A LTM
2 November 2023, 00:01 More2Life Maxi Choice
Decrease
N/A 8.40% MER N/A N/A LTM
1 November 2023, 00:01 Standard Life Horizon 240 - 300
Decrease
N/A 6.43% MER N/A N/A LTM
1 November 2023, 00:01 More2Life Capital Choice
Decrease
N/A 6.57% MER N/A N/A LTM
1 November 2023, 00:01 LiveMore LTM
Increase
N/A 7.34% MER 31 October 2023, 23:59 N/A LTM
30 October 2023, 00:01 Pure Emerald
Increase
N/A N/A 29 October 2023, 23:59 21 days from KFI LTM
27 October 2023, 00:01 More2Life Maxi Choice
Increase
N/A 8.49% MER 26 October 2023, 23:59 16 November 2023, 23:59 LTM
27 October 2023, 00:01 Hodge RIO
Decrease
N/A 6.55% MER N/A N/A RIO
27 October 2023, Instant Pure Classic
Increase
N/A 6.42% MER N/A 21 days from KFI LTM
26 October 2023, 00:01 Standard Life Horizon
Increase
N/A 6.47% MER 25 October 2023, 23:59 15 November 2023, 23:59 LTM
24 October 2023, 18:00 L&G 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 Pure Sovereign
Increase
N/A 6.69% MER 23 October 2023, 23:59 21 days from KFI LTM
20 October 2023, 00:01 Pure Emerald
Decrease
N/A N/A N/A 21 days from KFI LTM
20 October 2023, 00:01 More2Life Maxi Choice
Decrease
N/A 8.22% MER N/A N/A LTM
19 October 2023, Instant Pure Classic
Decrease
N/A 6.24% MER N/A N/A LTM
18 October 2023, 00:01 Just 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 Standard Life Horizon
Decrease
N/A 6.36% MER 16 October 2023, 23:59 N/A LTM
17 October 2023, 00:01 More2Life Maxi Choice
Increase
N/A 8.43% MER 16 October 2023, 23:59 6 November 2023, 23:59 LTM
16 October 2023, 00:01 Pure Emerald
Increase
N/A 8.32% MER 15 October 2023, 23:59 21 days from KFI LTM
12 October 2023, 00:01 Pure Heritage
Increase
N/A 7.62% MER 11 October 2023, 23:59 25 October 2023, 23:59 LTM
11 October 2023, 09:00 Hodge 50+, Holiday BTL
Decrease
N/A 6.20% MER N/A N/A RIO
11 October 2023, 00:01 More2Life Capital Choice
Increase
N/A 6.57% MER 10 October 2023, 23:59 31 October 2023, 23:59 LTM
11 October 2023, 00:01 Just 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 Pure Classic
Increase
N/A 6.16% MER N/A N/A LTM
7 October 2023, 00:01 More2Life Maxi Choice
Increase
N/A 8.25% MER 6 October 2023, 23:59 27 October 2023, 23:59 LTM
7 October 2023, 00:01 Standard Life Horizon
Increase
N/A 6.47% MER 6 October 2023, 23:59 27 October 2023, 23:59 LTM
6 October 2023, 00:01 Pure Emerald
Increase
N/A 8.14% MER 5 October 2023, 23:59 21 days from KFI LTM
6 October 2023, 00:01 LV 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 L&G 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 LiveMore RIO
Increase
N/A 6.68% MER 2 October 2023, 23:59 N/A RIO
29 September 2023, 00:01 Pure Sovereign
Decrease
N/A 6.16% MER N/A N/A LTM
27 September 2023, Instant Pure Classic
Decrease
N/A N/A N/A N/A LTM
26 September 2023, 00:01 Just J6
Decrease
N/A 8.69% MER N/A N/A LTM
23 September 2023, 00:01 More2life Maxi Choice
Increase
N/A 8.09% MER 22 September 2023, 23:59 13 October 2023, 23:59 LTM
21 September 2023, 00:01 More2life APEX
Decrease
N/A 8.46% MER N/A N/A LTM
20 September 2023, Instant Pure Emerald
Decrease
N/A 7.98% MER N/A N/A LTM
19 September 2023, Instant LiveMore Lifetime Mortgage, Property+
Decrease
N/A 7.32% MER N/A N/A LTM
19 September 2023, Instant LiveMore RIO
Decrease
N/A 6.48% MER N/A N/A RIO
16 September 2023, 00:01 More2life APEX Plus and Super
Decrease
N/A 8.56% MER N/A N/A LTM
15 September 2023, 09:00 Hodge 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 Just J6
Decrease
N/A 8.70% MER 5 September 2023, 23:59 N/A LTM
5 September 2023, 18:00 L&G Pearl & Opal
Decrease
N/A 6.11% MER 5 September 2023, 17:59 N/A LTM
1 September 2023, 00:01 More2life Maxi
Decrease
N/A 8.03% MER 31 August 2023, 23:59 N/A LTM
1 September 2023, 00:01 Pure Heritage
Increase
N/A 7.42% MER 31 August 2023, 23:59 N/A LTM
30 August 2023, 00:01 More2life Maxi
Increase
N/A 8.24% MER 29 August 2023, 23:59 19 September 2023, 23:59 LTM
25 August 2023, 10:00 Canada Life Lifestyle Select
Increase
N/A 7.35% MER 25 August 2023, 09:59 1 September 2023, 17:00 LTM
22 August 2023, 00:01 More2life Maxi Extra
Increase
N/A 8.17% MER 21 August 2023, 23:59 11 September 2023, 18:00 LTM
22 August 2023, 00:01 Scottish Widows All
Increase
N/A 6.75% MER 21 August 2023, 23:59 28 August 2023, 18:00 LTM
21 August 2023, 10:00 Canada Life 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 L&G RIO
Increase
N/A 6.94% MER 17 August 2023, 17:59 17 August 2023, 17:59 RIO
17 August 2023, 18:00 L&G 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 Pure Emerald
Increase
N/A N/A 16 August 2023, 23:59 21 days from KFI LTM
17 August 2023, Instant Loughborough All
Increase
N/A 5.59% MER N/A N/A RIO
14 August 2023, 10:00 Canada Life 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 L&G 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 L&G 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 More2life APEX
Increase
N/A 8.65% MER 9 August 2023, 23:59 30 August 2023, 23:59 LTM
4 August 2023, 09:00 Hodge 50+, RIO and Holiday BTL
Increase
N/A 6.80% MER 1 August 2023, 16:59 N/A RIO
4 August 2023, 00:01 LV LumpSum+, Drawdown+
Decrease
N/A 6.39% MER N/A N/A LTM
4 August 2023, 00:01 Scottish Widows All
Decrease
N/A 6.35% MER 3 August 2023, 23:59 N/A LTM
3 August 2023, 00:01 More2life Capital Choice
Decrease
N/A 6.29% MER N/A N/A LTM
2 August 2023, 00:01 Standard Life Horizon
Decrease
N/A 6.19% MER N/A N/A LTM
31 July 2023, 09:00 Canada Life 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 Scottish Widows LS, FR
Decrease
N/A 6.40% MER N/A N/A LTM
25 July 2023, 00:01 Aviva Lifestyle Flexible Option
Decrease or Stay Same
N/A N/A N/A 7 August 2023 LTM
21 July 2023, 00:01 More2life APEX
Decrease
N/A 8.42% MER 20 July 2023, 23:59 N/A LTM
21 July 2023, 00:01 Pure Heritage
Increase
N/A 7.42% MER 20 July 2023, 23:59 N/A LTM
20 July 2023, 17:00 LiveMore RIO and Standard Mortgages
Decrease
N/A 6.94% MER N/A N/A RIO
20 July 2023, 00:01 More2life 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 Just All
Increase
N/A 6.70% MER 18 July 2023, 23:59 2 August 2023, 16:59 LTM
17 July 2023, 00:01 Aviva 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 LiveMore RIO and Standard Mortgages
Increase
N/A 7.05% MER 16 July 2023, 23:59 N/A RIO
15 July 2023, 00:01 More2life Maxi Choice
Increase
N/A 8.17% MER 14 July 2023, 23:59 4 August 2023, 23:59 LTM
15 July 2023, 00:01 Standard Life Horizon
Increase
N/A 6.38% MER 14 July 2023, 23:59 4 August 2023, 23:59 LTM
14 July 2023, 00:01 More2life APEX
Increase
N/A 8.79% MER 13 July 2023, 23:59 20 July 2023, 23:59 LTM
14 July 2023, 00:01 LV All
Increase
N/A 6.53% MER 13 July 2023, 23:59 28 July 2023, 12:00 LTM
13 July 2023, 00:01 More2life Capital Choice
Increase
N/A 6.47% MER 12 July 2023, 23:59 2 August 2023, 23:59 LTM
13 July 2023, 00:01 Scottish Widows LS, FR
Increase
N/A 6.75% MER 12 July 2023, 23:59 N/A LTM
6 July 2023, 18:00 L&G Carbon, Graphite
Decrease
N/A 6.12% MER N/A N/A LTM
6 July 2023, 00:01 LV Lifetime Mortgage Lump Sum+, Lifetime Mortgage Drawdown+
Decrease
N/A 6.31% MER N/A N/A LTM
5 July 2023, Instant LiveMore RIO and Standard Mortgages
Increase
N/A 6.94% MER N/A N/A RIO
3 July 2023, Instant Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
3 July 2023, Instant More2life Flexi Choice
Increase
N/A 6.22% MER N/A 21 days from KFI LTM

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