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 |
|---|
| 24 March 2026, 00:01 |
|
Emerald |
Increase
|
N/A | 7.47% MER | N/A | N/A | LTM |
| 21 March 2026, 00:01 |
|
LumpSum+ and Drawdown+ |
Increase
|
N/A | 6.82% AER | N/A | N/A | LTM |
| 20 March 2026, 09:00 |
|
Resi Retire, Residential, Holiday Let, RIO |
Increase
|
N/A | 5.49% MER | N/A | N/A | Mortgage |
| 20 March 2026, 05:30 |
|
Standard , 5 year ERC, six month offer ranges |
Increase
|
N/A | 7.63% MER | N/A | N/A | LTM |
| 20 March 2026, 00:01 |
|
Classic |
Increase
|
N/A | 6.61% MER | N/A | N/A | LTM |
| 20 March 2026, 00:01 |
|
Flexi |
Increase
|
N/A | 6.61% MER | N/A | N/A | LTM |
| 20 March 2026, 00:01 |
|
Horizon |
Increase
|
N/A | 6.52% MER | N/A | N/A | LTM |
| 19 March 2026, 00:01 |
|
Tailored C3 and C4 |
Increase
|
N/A | 7.15% MER | N/A | N/A | LTM |
| 19 March 2026, 00:01 |
|
Heritage |
Increase
|
N/A | 7.15% MER | N/A | N/A | LTM |
| 18 March 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.46% MER | N/A | N/A | LTM |
| 18 March 2026, 00:01 |
|
Classic |
Decrease
|
N/A | 6.46% MER | N/A | N/A | LTM |
| 18 March 2026, 00:01 |
|
J1, J2, J2.5 |
Increase
|
N/A | 7.05% MER | N/A | N/A | LTM |
| 17 March 2026, 00:01 |
|
LTM |
Increase
|
N/A | 6.67% AER | N/A | N/A | LTM |
| 16 March 2026, 10:00 |
|
Capital Select, Advantage |
Increase
|
N/A | 6.86% MER | N/A | N/A | LTM |
| 16 March 2026, 00:01 |
|
RIO |
Increase
|
N/A | 6.33% MER | N/A | N/A | Mortgage |
| 13 March 2026, 00:01 |
|
Classic |
Increase
|
N/A | 6.74% MER | N/A | N/A | LTM |
| 13 March 2026, 00:01 |
|
Flexi |
Increase
|
N/A | 6.74% MER | N/A | N/A | LTM |
| 13 March 2026, 00:01 |
|
Emerald |
Increase
|
N/A | 7.28% MER | N/A | N/A | LTM |
| 13 March 2026, 00:01 |
|
Horizon |
Increase
|
N/A | 6.38% MER | N/A | N/A | LTM |
| 11 March 2026, 00:01 |
|
RIO 2 year discount |
Increase
|
N/A | 5.09% MER | N/A | N/A | Mortgage |
| 11 March 2026, 00:01 |
|
Lifestyle |
Increase
|
N/A | 6.63% AER | N/A | N/A | LTM |
| 10 March 2026, 00:01 |
|
In Retirement |
Increase
|
N/A | 5.45% MER | N/A | N/A | Mortgage |
| 9 March 2026, 00:01 |
|
Classic |
Increase
|
N/A | 6.57% MER | N/A | N/A | LTM |
| 9 March 2026, 00:01 |
|
RIO |
Increase
|
N/A | 6.80% MER | N/A | N/A | Mortgage |
| 9 March 2026, 00:01 |
|
PTLM |
Increase
|
N/A | 6.61% MER | N/A | N/A | LTM |
| 6 March 2026, 00:01 |
|
Lifestyle |
Increase
|
N/A | 6.62% AER | N/A | N/A | LTM |
| 4 March 2026, 00:01 |
|
Flexi |
Increase
|
N/A | 6.47% MER | N/A | N/A | LTM |
| 3 March 2026, 00:01 |
|
Classic |
Increase
|
N/A | 6.47% MER | N/A | N/A | LTM |
| 2 March 2026, 00:01 |
|
Classic |
Decrease
|
N/A | 6.17% MER | N/A | N/A | LTM |
| 2 March 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.29% MER | N/A | N/A | LTM |
| 25 February 2026, 00:01 |
|
New HL, Resi Retire 5 yr |
Decrease
|
N/A | 5.19% MER | N/A | N/A | Mortgage |
| 25 February 2026, 00:01 |
|
Classic |
Decrease
|
N/A | 6.29% MER | N/A | N/A | LTM |
| 25 February 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.29% MER | N/A | N/A | LTM |
| 25 February 2026, 00:01 |
|
Lumpsum and Drawdown + |
Decrease
|
N/A | 6.47% AER | N/A | N/A | LTM |
| 23 February 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.31% MER | N/A | N/A | LTM |
| 23 February 2026, 00:01 |
|
Classic |
Decrease
|
N/A | 6.31% MER | N/A | N/A | LTM |
| 20 February 2026, 00:01 |
|
Emerald |
Decrease
|
N/A | 7.00% MER | N/A | N/A | LTM |
| 20 February 2026, 00:01 |
|
Plus |
Decrease
|
N/A | 6.52% AER | N/A | N/A | LTM |
| 20 February 2026, 00:01 |
|
Lifestyle Lump Sum and Drawdown |
Decrease
|
N/A | 6.51% AER | N/A | N/A | LTM |
| 18 February 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.32% MER | N/A | N/A | LTM |
| 18 February 2026, 00:01 |
|
Classic |
Decrease
|
N/A | 6.32% MER | N/A | N/A | LTM |
| 17 February 2026, 12:59 |
|
Horizon |
Decrease
|
N/A | 6.33% MER | N/A | N/A | LTM |
| 17 February 2026, 00:01 |
|
Emerald |
Increase
|
N/A | 7.12% MER | N/A | N/A | LTM |
| 16 February 2026, 10:00 |
|
Capital Select |
Increase and Decrease
|
N/A | 6.78% MER | N/A | 11 March 2026, 11:55 | LTM |
| 16 February 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.32% MER | N/A | N/A | LTM |
| 16 February 2026, 00:01 |
|
Classic |
Decrease
|
N/A | 6.32% MER | N/A | N/A | LTM |
| 13 February 2026, 00:01 |
|
Flexi |
Increase and Decrease
|
N/A | 6.37% MER | N/A | N/A | LTM |
| 13 February 2026, 00:01 |
|
Classic |
Increase and Decrease
|
N/A | 6.37% MER | N/A | N/A | LTM |
| 12 February 2026, 00:01 |
|
Lump Sum and Drawdown+ |
Increase
|
N/A | 6.52% AER | N/A | N/A | LTM |
| 6 February 2026, Instant |
|
Emerald |
Increase
|
N/A | 7.01% MER | 5 February 2026, 12:59 | N/A | LTM |
| 5 February 2026, 10:00 |
|
Capital Select |
Increase
|
N/A | 6.54% MER | N/A | 19 February 2026, 23:55 | LTM |
| 5 February 2026, 00:01 |
|
Flexi |
Decrease
|
N/A | 6.35% MER | 5 February 2026, 23:59 | 26 February 2026, 23:59 | LTM |
| 5 February 2026, 00:01 |
|
Lumpsum and Drawdown+ |
Increase
|
N/A | 6.67% AER | N/A | N/A | LTM |
| 3 February 2026, 00:01 |
|
Retirement |
Increase and Decrease
|
N/A | 5.39% MER | N/A | N/A | Mortgage |
| 2 February 2026, 00:01 |
|
RIO |
Increase and Decrease
|
N/A | 5.58% MER | N/A | N/A | Mortgage |
| 2 February 2026, 00:01 |
|
Standard Mortgage |
Increase and Decrease
|
N/A | 5.38% MER | N/A | N/A | Mortgage |
| 1 February 2026, 00:01 |
|
SVR |
Decrease
|
7.60% SVR | 7.35% SVR | N/A | N/A | Mortgage |