Stay up-to-date with the latest application deadlines for each rate change in the later life market.
| Live date | Lender | Product | Rates changing | New rates from | KFI end date | App submission deadline | LTM/Mortgage |
|---|
| 18 September 2026, 00:01 |
|
Maxi |
Increase
|
8.01% MER | 17 September 2026 | 8 October 2026 | LTM |
| 18 September 2026, 00:01 |
|
Horizon |
Increase
|
6.82% MER | 17 September 2026 | 8 October 2026 | LTM |
| 18 September 2026, 00:01 |
|
All products |
Increase
|
7.59% MER | 17 September 2026 | 1 October 2026 | LTM |
| 18 September 2026, 00:01 |
|
Emerald |
Increase
|
7.91% MER | 17 September 2026 | 8 October 2026 | LTM |
| 15 September 2026, 00:01 |
|
Classic |
Increase
|
6.85% MER | 14 September 2026 | 6 October 2026 | LTM |
| 15 September 2026, 00:01 |
|
Flexi |
Increase
|
6.85% MER | 14 September 2026 | 5 October 2026 | LTM |
| 15 September 2026, 00:01 |
|
Apex |
Increase
|
9.23% MER | 14 September 2026 | 5 October 2026 | LTM |
| 14 September 2026, 00:01 |
|
RIO |
Increase
|
6.90% MER | 14 September 2026 | N/A | Mortgage |
| 11 September 2026, 10:00 |
|
Platinum |
Decrease
|
7.99% MER | N/A | 25 September 2026, 23:55 | LTM |
| 11 September 2026, 10:00 |
|
Ultra Lite, Super Lite Plus, Lite, Lite Plus and Gold products |
Increase
|
7.24% MER | N/A | 25 September 2026, 23:55 | LTM |
| 9 September 2026, 00:01 |
|
Horizon |
Increase
|
6.71% MER | 8 September 2026 | 29 September 2026 | LTM |
| 8 September 2026, 00:01 |
|
Apex |
Increase
|
9.02% MER | 8 September 2026 | 28 September 2026 | LTM |
| 3 September 2026, 17:30 |
|
Standard, 5 Yr ERC, 6 Month Offer, Spray Foam Restoration and Property+ |
Increase
|
8.00% MER | 3 September 2026 | 4 September 2026 | LTM |
| 3 September 2026, 00:01 |
|
RIO |
Increase
|
6.50% MER | 3 September 2026 | Mortgage |
| 3 September 2026, 00:01 |
|
Apex |
Increase
|
9.14% MER | 2 September 2026 | 23 September 2026 | LTM |
| 2 September 2026, 00:01 |
|
Classic |
Increase
|
6.70% MER | 1 September 2026 | 22 September 2026 | LTM |
| 2 September 2026, 00:01 |
|
Flexi |
Increase
|
6.70% MER | 1 September 2026 | 22 September 2026 | LTM |
| 2 September 2026, 00:01 |
|
Horizon |
Increase
|
6.63% MER | 1 September 2026 | 22 September 2026 | LTM |
| 28 August 2026, 00:01 |
|
Maxi |
Increase
|
7.87% MER | N/A | 17 September 2026 | LTM |
| 28 August 2026, 00:01 |
|
Emerald |
Increase
|
7.77% MER | 27 August 2026 | 17 September 2026 | LTM |
| 27 August 2026, 18:00 |
|
PTLM |
Increase
|
7.05% MER | N/A | N/A | LTM |
| 25 August 2026, 00:01 |
|
RIO, HBTL |
Increase
|
6.33% MER | N/A | N/A | Mortgage |
| 25 August 2026, 00:01 |
|
Classic |
Decrease
|
6.62% MER | 24 August 2026 | 14 September 2026 | LTM |
| 24 August 2026, 00:01 |
|
Flexi |
Decrease
|
6.62% MER | N/A | 14 September 2026 | LTM |
| 19 August 2026, 00:01 |
|
Flexi |
Increase
|
6.69% MER | 18 August 2026 | 8 September 2026 | LTM |
| 19 August 2026, 00:01 |
|
Classic |
Increase
|
6.69% MER | N/A | N/A | LTM |
| 18 August 2026, 00:01 |
|
Horizon |
Increase
|
6.59% MER | N/A | 7 September 2026 | LTM |
| 6 August 2026, 10:00 |
|
Capital Select & Advantage |
Increase
|
7.14% MER | 5 August 2026 | 20 August 2026 | LTM |
| 4 August 2026, 00:01 |
|
Classic |
Decrease
|
6.57% MER | 3 August 2026 | 25 August 2026 | LTM |
| 4 August 2026, 00:01 |
|
Flexi |
Decrease
|
6.57% MER | 3 August 2026 | 24 August 2026 | LTM |
| 3 August 2026, 00:01 |
|
Emerald |
Increase
|
7.67% MER | 2 August 2026, 23:59 | 23 August 2026, 23:59 | LTM |
| 1 August 2026, 00:01 |
|
Maxi |
Increase
|
7.78% MER | 31 July 2026 | 21 August 2026 | LTM |
Advise Wise Limited, 2200 Century Way, Leeds, LS15 8ZB | Company registered in England and Wales. | Company number: 11705013 | Telephone: 0333 050 8771
