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 2024, 00:01 | All Standard and RIO products |
Increase
|
N/A | 5.88% MER | N/A | N/A | RIO |
6 December 2024, 00:01 | Lifetime Mortgage Lite, Standard, Property+ |
Decrease
|
N/A | 5.99% MER | N/A | N/A | LTM |
6 December 2024, 00:01 | Sovereign |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
6 December 2024, 00:01 | Lifestyle |
Decrease
|
N/A | 5.79% MER | N/A | N/A | LTM |
5 December 2024, 09:00 | Emerald |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
5 December 2024, 09:00 | Capital Select |
Decrease
|
N/A | 5.88% MER | N/A | N/A | LTM |
5 December 2024, 00:01 | Maxi Choice including Maxi Choice Zero |
Decrease
|
N/A | 6.71% MER | N/A | N/A | LTM |
3 December 2024, 00:01 | Horizon and Horizon Interest Reward |
Increase
|
N/A | 6.01% MER | 2 December 2024, 23:59 | 23 December 2024, 23:59 | LTM |
30 November 2024, 00:01 | Capital Choice |
Increase
|
N/A | 6.12% MER | 29 November 2024, 23:59 | 20 December 2024, 23:59 | LTM |
29 November 2024, 00:01 | Lifestyle |
Decrease
|
N/A | 5.89% MER | N/A | N/A | LTM |
28 November 2024, 18:00 | RIO |
Decrease
|
N/A | 6.25% MER | N/A | N/A | RIO |
28 November 2024, 18:00 | PTLM |
Decrease
|
N/A | 5.97% MER | N/A | N/A | LTM |
28 November 2024, 09:00 | Holiday BTL |
Decrease
|
N/A | 5.66% MER | N/A | N/A | RIO |
28 November 2024, 09:00 | Resi Retire 50+, RIO |
Increase
|
N/A | 5.45% MER | N/A | N/A | RIO |
28 November 2024, 00:01 | Tailored Choice C3 - C7 |
Increase
|
N/A | 6.16% MER | 27 November 2024, 23:59 | 11 December 2024, 23: 59 | LTM |
28 November 2024, Instant | Classic |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
27 November 2024, 10:00 | Capital Select |
Decrease
|
N/A | 5.93% MER | N/A | N/A | LTM |
27 November 2024, 00:01 | Heritage including Interest Serviced |
Increase
|
N/A | 5.80% MER | 26 November 2024, 23:59 | N/A | LTM |
27 November 2024, 00:01 | J1, J2, J2.5 and J3 |
Increase
|
N/A | 5.92% MER | 26 November 2024, 23:59 | N/A | LTM |
25 November 2024, 18:00 | PTLM |
Increase and Decrease
|
N/A | 6.21% MER | 15 November 2024, 17:59 | N/A | LTM |
22 November 2024, 00:01 | Lifestyle |
Increase
|
N/A | 5.98% MER | 21 November 2024, 16:29 | 5 December 2024, 11:59 | LTM |
19 November 2024, 10:00 | Capital Select |
Increase
|
N/A | 6.21% MER | N/A | 26 November 2024, 16:59 | LTM |
15 November 2024, 00:01 | Emerald |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
14 November 2024, 00:01 | Maxi Choice Super 3 including Super 3 Zero |
Decrease
|
N/A | 7.97% MER | N/A | N/A | LTM |
14 November 2024, Instant | Classic |
Decrease
|
N/A | N/A | N/A | N/A | LTM |
12 November 2024, 00:01 | Sovereign |
Increase
|
N/A | N/A | 11 November 2024, 23:59 | 21 days from KFI | LTM |
11 November 2024, 00:01 | Emerald |
Increase
|
N/A | N/A | N/A | N/A | LTM |
9 November 2024, 00:01 | Maxi Range (Maxi Choice & Zero) |
Increase
|
N/A | 6.86% MER | 8 November 2024, 23:59 | 29 November 2024, 23:59 | LTM |
8 November 2024, 00:01 | Heritage and Heritage Interest Service |
Increase
|
N/A | 5.72% MER | N/A | N/A | LTM |
8 November 2024, 00:01 | Lifestyle |
Increase
|
N/A | 5.89% MER | 7 November 2024, 15:59 | 21 November 2024, 12:00 | LTM |
8 November 2024, 00:01 | Lump Sum+, Drawdown+ |
Increase
|
N/A | 5.99% MER | 7 November 2024, 15:59 | 21 November 2024, 12:00 | LTM |
8 November 2024, 00:01 | LS, FR |
Increase
|
N/A | 5.95% MER | 7 November 2024, 23:59 | N/A | LTM |
7 November 2024, 00:01 | Tailored Choice C3 - C7 |
Increase
|
N/A | 6.08% MER | 6 November 2024, 23:59 | 20 November 2024, 23:59 | LTM |
6 November 2024, 09:00 | Resi Retire 50+, RIO |
Increase
|
N/A | 5.35% MER | 6 November 2024, 8:59 | N/A | RIO |
6 November 2024, 00:01 | Horizon |
Increase
|
N/A | 5.88% MER | 5 November 2024, 23:59 | 26 November 2024, 23:59 | LTM |
5 November 2024, 18:00 | RIO |
Increase
|
N/A | 6.40% MER | 5 November 2024, 17:59 | N/A | RIO |
5 November 2024, 18:00 | PTLM |
Increase
|
N/A | 6.31% MER | 5 November 2024, 17:59 | N/A | LTM |
5 November 2024, 00:01 | Capital Choice |
Increase
|
N/A | 5.97% MER | 4 November 2024, 23:59 | 25 November 2024, 23:59 | LTM |
5 November 2024, 00:01 | Lifestyle |
Increase
|
N/A | 5.79% MER | 4 November 2024, 15:59 | 19 November 2024, 12:00 | LTM |
4 November 2024, 10:00 | Capital Select |
Increase
|
N/A | N/A | N/A | N/A | LTM |
4 November 2024, 00:01 | J1, J2, J2.5, J3 and J4 |
Increase
|
N/A | 5.79% MER | 3 November 2024, 23:59 | N/A | LTM |
2 November 2024, 00:01 | Standard & RIO |
Increase
|
N/A | 5.73% MER | 1 November 2024, 23:59 | N/A | RIO |
2 November 2024, 00:01 | Lifetime Mortgage Lite, Standard, Property+ |
Increase
|
N/A | 6.29% MER | 1 November 2024, 23:59 | N/A | LTM |
1 November 2024, 00:01 | Heritage |
Increase
|
N/A | 5.92% MER | 31 October 2024, 23:59 | N/A | LTM |
1 November 2024, Instant | Classic |
Increase
|
N/A | N/A | N/A | N/A | LTM |