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/Mortgage |
|---|
| 5 June 2025, 00:01 |
|
LTM |
Increase
|
N/A | 6.49% MER | N/A | N/A | LTM |
| 5 June 2025, 00:01 |
|
Lump Sum and Drawdown Plus |
Increase
|
N/A | 6.73% MER | 4 June 2025, 16:00 | 19 June 2025, 00:01 | LTM |
| 3 June 2025, 00:01 |
|
Horizon Fee Free |
Increase
|
N/A | 6.49% MER | 2 June 2025, 23:58 | 23 June 2025, 23:58 | LTM |
| 2 June 2025, 10:00 |
|
Capital Select |
Increase
|
N/A | 6.40% MER | 16 June 2025, 23:55 | LTM |
| 2 June 2025, 00:01 |
|
Retirement fixed |
Increase, Decrease, or Stay Same
|
N/A | 5.49% MER | N/A | N/A | Mortgage |
| 31 May 2025, 00:01 |
|
Capital Choice |
Increase
|
N/A | 6.82% MER | 30 May 2025, 23:59 | 20 June 2025, 23:59 | LTM |
| 30 May 2025, 08:30 |
|
RIO |
Increase
|
N/A | 6.27% MER | N/A | N/A | Mortgage |
| 30 May 2025, 08:30 |
|
All products except 2 Year fixed |
Increase
|
N/A | 5.53% MER | N/A | N/A | Mortgage |
| 30 May 2025, 00:01 |
|
Lifestyle |
Increase
|
N/A | 6.50% AER | 29 May 2025, 16:30 | 13 June 2025, 23:59 | LTM |
| 23 May 2025, 00:01 |
|
Classic |
Increase
|
N/A | 6.34% MER | N/A | N/A | LTM |
| 23 May 2025, 00:01 |
|
Lifestyle and Plus |
Decrease
|
N/A | 6.48% AER | N/A | N/A | LTM |
| 21 May 2025, Instant |
|
Fixed for 2 Years |
N/A
|
N/A | 5.39% MER | N/A | N/A | Mortgage |
| 20 May 2025, 00:01 |
|
Maxi |
Increase
|
N/A | 6.95% MER | 19 May 2025, 23:59 | 9 June 2025, 23:59 | LTM |
| 19 May 2025, 10:00 |
|
Capital Select Options |
Increase
|
N/A | 6.32% MER | 19 May 2025, 23:59 | 2 June 2025, 23:59 | LTM |
| 19 May 2025, 00:01 |
|
Emerald |
Increase
|
N/A | N/A | 18 May 2025, 23:59 | 21 day validity on individual KFIs | LTM |
| 16 May 2025, 09:00 |
|
Plus cashback products |
Decrease
|
N/A | 6.55% AER | 15 May 2025, 23:59 | N/A | LTM |
| 16 May 2025, 09:00 |
|
Resi Retire 50+, Residential, RIO & Holiday Let |
Decrease
|
N/A | 5.50% MER | N/A | N/A | Mortgage |
| 15 May 2025, 00:01 |
|
Classic |
Increase
|
N/A | 6.22% MER | 14 May 2025, 23:59 | 21 day validity on individual KFIs | LTM |
| 14 May 2025, 00:01 |
|
Standard, 5 Year ERC and 6 Month Offer |
Decrease
|
N/A | 6.44% MER | N/A | N/A | Mortgage |
| 13 May 2025, 00:01 |
|
Capital |
Decrease
|
N/A | 6.45% MER | 12 May 2025, 11:59 | N/A | LTM |
| 13 May 2025, 00:01 |
|
Horizon, Horizon Interest Reward |
Increase
|
N/A | 6.29% MER | 12 May 2025, 11:59 | 2 June 2025, 23:59 | LTM |
| 9 May 2025, 00:01 |
|
Lifestyle |
Decrease
|
N/A | 6.48% AER | 8 May 2025, 11:59 | N/A | LTM |
| 2 May 2025, 17:00 |
|
Lifetime mortgages |
Increase
|
N/A | 6.53% MER | 2 May 2025 | 16 May 2025 | LTM |
| 2 May 2025, 00:01 |
|
Classic |
Decrease
|
N/A | 6.22% MER | N/A | N/A | LTM |
| 2 May 2025, 00:01 |
|
Maxi Plus |
Decrease
|
N/A | 6.88% MER | N/A | N/A | LTM |
| 2 May 2025, 00:01 |
|
Emerald |
Decrease
|
N/A | 6.78% MER | N/A | N/A | LTM |
| 2 May 2025, 00:01 |
|
Lifestyle and Plus |
Decrease
|
N/A | 6.50% MER | N/A | 19 May 2025, 23:59 | LTM |
Advise Wise Limited, 2200 Century Way, Leeds, LS15 8ZB | Company registered in England and Wales. | Company number: 11705013 | Telephone: 0333 050 8771
