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Rate Table

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

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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 More2Life Tailored Enhanced
Increase
N/A 8.60% MER 6 October 2022, 23:59 20 October 2022, 23:59 LTM
7 October 2022, 00:01 Pure Sovereign, Sovereign Elite
Increase
N/A N/A 6 October 2022, 23:59 21 days from KFI LTM
5 October 2022, 00:01 Scottish Widows LS, FR
Increase
N/A 7.00% MER 4 October 2022, 23:59 N/A LTM
4 October 2022, 18:00 Legal & General All
Increase
N/A 7.08% MER 4 October 2022, 17:59 11 October 2022, 16:59 LTM
4 October 2022 Pure 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 Just All
Increase
N/A 7.95% MER 3 October 2022, 23:59 18 October 2022, 16:59 LTM
4 October 2022, 00:01 OneFamily Lite and Standard Fixed Rate
Increase
N/A 6.90% MER 3 October 2022, 23:59 N/A LTM
3 October 2022, Instant More2Life Flexi Choice
Decrease
N/A 5.87% MER N/A N/A LTM
3 October 2022, Instant Pure Classic
Increase
N/A N/A N/A N/A LTM
1 October 2022, 00:01 Standard Life Horizon
Increase
N/A 6.88% MER 30 September 2022, 23:59 21 October 2022, 23:59 LTM
30 September 2022, 00:01 More2Life Capital Choice
Increase
N/A 6.97% MER 29 September 2022, 23:59 20 October 2022, 23:59 LTM
30 September 2022, 00:01 Aviva Lifestyle Flexible Option
Increase
N/A N/A 29 September 2022, 16:29 13 October 2022 LTM
30 September 2022, 00:01 Pure Sovereign, Sovereign Elite
Increase
N/A N/A 29 September 2022, 23:59 21 days from KFI LTM
29 September 2022, 00:01 Just 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 Pure Sovereign, Sovereign Elite
Increase
N/A N/A 28 September 2022, 23:59 21 days from KFI LTM
29 September 2022, 00:01 OneFamily 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 Canada Life 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 LV All
Increase
N/A 6.79% MER 27 September 2022, 16:30 12 October 2022, 12:00 LTM
28 September 2022, 00:01 More2Life Tailored Enhanced
Increase
N/A 7.50% MER 27 September 2022, 23:59 11 October 2022, 23:59 LTM
28 September 2022, Instant More2Life Flexi Choice
Increase
N/A 6.17% MER 27 September 2022, 23:59 21 days from KFI LTM
28 September 2022, Instant Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
27 September 2022, 18:00 Legal & General All products
Increase
N/A 5.92% MER 27 September 2022, 17:59 4 October 2022, 17:00 LTM
27 September 2022, 00:01 Standard Life Horizon
Increase
N/A 5.98% MER 26 September 2022, 23:59 17 October 2022, 23:59 LTM
27 September 2022, 00:01 More2Life Prime Choice
Increase
N/A 6.97% MER 26 September 2022, 23:59 10 October 2022, 23:59 LTM
26 September 2022, 00:01 Pure Sovereign, Sovereign Elite
Increase
N/A N/A 25 September 2022, 23:59 21 days from KFI LTM
26 September 2022, 00:01 Aviva Lifestyle Flexible Option
Increase or Stay Same
N/A N/A 23 September 2022, 16:29 9 October 2022 LTM
26 September 2022, Instant More2Life Flexi Choice
Increase
N/A 5.77% MER N/A 21 days form KFI LTM
26 September 2022, Instant Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
24 September 2022, 00:01 More2Life Capital Choice
Increase
N/A 5.78% MER 23 September 2022, 23:59 14 October 2022, 23:59 LTM
23 September 2022, Instant More2Life Flexi Choice
Increase
N/A 5.32% MER N/A 21 days from KFI LTM
23 September 2022, Instant Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
23 September 2022, 00:01 Horizon Horizon
Increase
N/A 5.32% MER 22 September 2022, 23:59 13 October 2022, 23:59 LTM
22 September 2022, Instant More2Life Flexi Choice
Increase
N/A N/A N/A 21 days from KFI LTM
22 September 2022, 10:00 Canada Life 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 More2Life Capital Choice
Increase
N/A 5.35% MER 21 September 2022, 23:59 12 October 2022, 23:59 LTM
22 September 2022, Instant Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
22 September 2022, 00:01 Pure 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 Just 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 Pure Classic
Decrease
N/A N/A N/A N/A LTM
17 September 2022, 00:01 More2Life Tailored Enhanced
Increase
N/A 7.35% MER 16 September 2022, 23:59 30 September 2022, 23:59 LTM
16 September 2022, 00:01 Pure Emerald
Increase
N/A N/A 15 September 2022, 23:59 21 days from KFI LTM
15 September 2022, 18:00 Legal & General All
Increase
N/A 5.51% MER 15 September 2022, 17:59 23 September 2022, 16:59 LTM
15 September 2022, 16:30 LV 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 Pure 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 More2Life Capital Choice
Increase
N/A 5.08% MER 14 September 2022, 23:59 5 October 2022, 23:59 LTM
14 September 2022, 00:01 More2Life 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 More2Life Prime Choice
Increase
N/A 6.74% MER 12 September 2022, 23:59 26 September 2022, 23:59 LTM
13 September 2022, 00:01 Standard Life Horizon
Increase
N/A 5.13% MER 12 September 2022, 23:59 3 October 2022, 23:59 LTM
12 September 2022, 00:01 Scottish Widows LS, FR
Increase
5.04% MER 5.70% MER 10 September 2022, 16:00 19 September 2022, 16:00 LTM
9 September 2022, Instant Just 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 Canada Life 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 Canada Life 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 More2Life Capital Choice
Increase
N/A 4.94% MER 8 September 2022, 23:59 29 September 2022, 23:59 LTM
8 September 2022, 00:01 LV 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 Pure Classic
Increase
N/A 5.10% MER 6 September 2022, 23:59 21 days from KFI LTM
7 September 2022, 14:18 More2Life Flexi Choice
Increase
N/A 5.10% MER 6 September 2022, 23:59 21 days from KFI LTM
7 September 2022, 00:01 Aviva All
Increase or Stay Same
N/A N/A 6 September 2022, 16:29 20 September 2022 LTM
7 September 2022, 00:01 Pure Sovereign, Sovereign Elite
Increase
N/A N/A 6 September 2022, 23:59 21 days from KFI LTM
7 September 2022, 00:01 Standard Life Horizon
Increase
N/A 4.84% MER 6 September 2022, 23:59 27 September 2022, 23:59 LTM
6 September 2022, 18:00 Legal & General All
Increase
N/A N/A 6 September 2022, 17:59 13 September 2022 LTM
3 September 2022, 00:01 More2Life Capital Choice
Increase
N/A 4.75% MER 2 September 2022, 23:59 23 September 2022, 23:59 LTM
2 September 2022, 00:01 More2Life Maxi Choice
Increase
N/A 5.96% MER 1 September 2022, 23:59 22 September 2022, 23:59 LTM
1 September 2022, 00:01 More2Life Tailored
Increase
N/A 6.90% MER N/A 14 September 2022, 23:59 LTM
1 September 2022, 00:01 Scottish Widows All
Increase
N/A 5.04% MER N/A N/A LTM
31 August 2022, Instant More2Life Flexi
Increase
N/A 4.71% MER N/A 21 days from KFI LTM
31 August 2022, Instant Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
31 August 2022, 16:30 Aviva All
Increase, Decrease, or Stay Same
N/A N/A N/A 13 September 2022, 23:59 LTM
31 August 2022, 10:00 Canada Life Lifestyle Select
Increase
N/A 4.91% MER 31 August 2022, 09:59 14 September 2022, 17:00 LTM
31 August 2022, 00:01 Pure Emerald
Increase
N/A N/A N/A 21 days from KFI LTM
31 August 2022, 00:01 LV All
Increase
N/A 4.74% MER N/A N/A LTM
31 August 2022, 00:01 Pure Heritage
Increase
N/A 6.25% MER N/A N/A LTM
30 August 2022, 16:05 More2Life Flexi
Increase
N/A 4.51% MER N/A 21 days from KFI LTM
27 August 2022, 00:01 Standard Life Horizon
Increase
N/A 4.55% MER 26 August 2022, 23:59 16 September 2022, 23:59 LTM
26 August 2022, 17:00 Pure Classic
Increase
N/A N/A N/A 21 days from KFI LTM
26 August 2022, 00:01 Just 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 More2Life Prime
Increase
N/A 6.46% MER 25 August 2022, 23:59 8 September 2022, 23:59 LTM
25 August 2022, 18:00 Legal & General All
Increase
N/A 4.71% MER 25 August 2022, 16:59 2 September 2022, 17:00 LTM
25 August 2022, 17:00 Pure Sovereign, Sovereign Elite
Increase
N/A N/A N/A N/A LTM
25 August 2022, 10:00 Canada Life 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 More2Life Capital Choice
Increase
N/A 4.51% MER 24 August 2022, 23:59 14 September 2022, 23:59 LTM
24 August 2022, 00:01 Aviva 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 Standard Life 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 Pure Classic
Increase
N/A N/A 22 August 2022, 16:59 21 days from KFI LTM
16 August 2022, 00:01 More2Life 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 LV Lifetime Mortgage Drawdown+, Lifetime Mortgage Lump Sum+
Decrease
N/A 4.30% MER N/A N/A LTM
12 August 2022, 00:01 Scottish Widows LS, FR
Decrease
4.89% MER 4.54% MER N/A N/A LTM
11 August 2022, 00:01 More2Life Tailored Enhanced
Decrease
N/A 6.55% MER N/A N/A LTM
11 August 2022, 00:01 Just J1, J2, J2.5, Green, J3, J4, J6
Decrease
N/A 5.70% MER N/A N/A LTM
11 August 2022, 00:01 Pure Heritage, Heritage Freedom 20, Freedom 40
Decrease
N/A 5.9% MER N/A N/A LTM
11 August 2022, 18:00 Legal & General All Plans except Indigo and Violet
Decrease
N/A 4.47% MER N/A N/A LTM
10 August 2022 Pure Classic
Decrease
N/A N/A N/A N/A LTM
9 August 2022, 00:01 Standard Life 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 Aviva Lifestyle Flexible Option
Increase, Decrease, or Stay Same
N/A N/A 4 August 2022 18 August 2022 LTM
5 August 2022, 09:00 Canada Life 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 Pure Sovereign, Sovereign Elite
Decrease
N/A N/A N/A N/A LTM
29 July 2022, 00:01 More2Life Maxi Choice
Increase
N/A 5.49% MER 28 July 2022, 23:59 18 August 2022, 23:59 LTM
27 July 2022, 00:01 Pure Emerald
Increase
N/A N/A 21 Days from KFI N/A LTM
26 July 2022, 00:01 OneFamily 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 More2Life 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 Standard Life Horizon 300,350,400, 620, 730, 780 & 800
Decrease
N/A 4.31% MER N/A N/A LTM
21 July 2022, 00:01 LV Lifetime Mortgage Drawdown+, Lifetime Mortgage Lump Sum+
Decrease
N/A 4.42% MER N/A N/A LTM
18 July 2022, 00:01 Aviva Lifestyle Flexible Option
Increase, Decrease, or Stay Same
N/A N/A 17 July 2022 31 July 2022 LTM
18 July 2022, 00:01 Pure Heritage Supreme Max Plus Cashback
Decrease
N/A 7.35% MER N/A 31 July 2022, 23:59 LTM
15 July 2022 Pure Sovereign, Sovereign Elite
Decrease
N/A N/A N/A N/A LTM

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