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 July 2025, 09:00 |
|
Resi Retire, RIO, Resi & Holiday Let new business & Holiday Let Retention |
Increase
|
5.65% MER | 18 July 2025, 08:59 | Mortgage |
| 18 July 2025, 00:01 |
|
Capital Choice |
Increase
|
6.87% MER | 17 July 2025, 23:59 | 7 August 2025, 23:59 | LTM |
| 18 July 2025, 00:01 |
|
Tailored and Tailored Interest Reward |
Increase
|
6.60% MER | 15 July 2025, 00:01 | LTM |
| 17 July 2025, 10:00 |
|
Capital Select |
Increase
|
6.59% MER | 17 July 2025, 09:59 | 31 July 2025, 23:55 | LTM |
| 17 July 2025, 00:01 |
|
Horizon, Horizon Interest Reward except 600 |
Increase and Decrease
|
6.30% MER | 17 July 2025, 23:59 | N/A | LTM |
| 9 July 2025, 00:01 |
|
Horizon |
Increase
|
6.23% MER | 8 July 2025, 23:59 | 29 July 2025, 23:59 | LTM |
| 4 July 2025, 17:30 |
|
Standard, 5 Year ERC, and 6-month offer |
Increase
|
7.13% MER | N/A | N/A | LTM |
| 4 July 2025, Instant |
|
Emerald |
Decrease
|
6.82% MER | 3 July 2025, 12:59 | N/A | LTM |
| 3 July 2025, 00:01 |
|
Maxi Super Lite 2&3 7 year ERC |
Decrease
|
6.95% MER | N/A | N/A | LTM |
| 2 July 2025, 00:01 |
|
Classic |
Decrease
|
6.19% MER | N/A | N/A | LTM |
| 30 June 2025, 18:00 |
|
PTLM |
Decrease
|
6.76% MER | 30 June 2025, 17:59 | N/A | LTM |
| 25 June 2025, 00:01 |
|
J1 |
Increase
|
6.53% MER | N/A | 9 July 2025, 16:30 | LTM |
| 25 June 2025, 00:01 |
|
Classic |
Decrease
|
6.19% MER | N/A | N/A | LTM |
| 24 June 2025, 00:01 |
|
Lifestyle |
Increase
|
N/A | 23 June 2025, 16:30 | 8 July 2025, 23:59 | LTM |
| 19 June 2025, 00:01 |
|
Classic |
Decrease
|
6.53% MER | N/A | N/A | LTM |
| 18 June 2025, 00:01 |
|
Horizon |
Decrease
|
6.23%MER | 17 June 2025, 23:59 | N/A | LTM |
| 16 June 2025, 00:01 |
|
In Retirement |
Increase
|
5.99% MER | N/A | N/A | Mortgage |
| 13 June 2025, 00:01 |
|
Lump Sum Lifestyle |
Increase
|
6.43% AER | 12 June 2025, 16:00 | 27 June 2025, 23:59 | LTM |
| 12 June 2025, 00:01 |
|
Classic range |
Decrease
|
6.28% MER | N/A | N/A | LTM |
| 12 June 2025, 00:01 |
|
Horizon |
Decrease
|
6.35% MER | N/A | N/A | LTM |
| 5 June 2025, 00:01 |
|
LTM |
Increase
|
6.49% MER | N/A | N/A | LTM |
| 5 June 2025, 00:01 |
|
Lump Sum and Drawdown Plus |
Increase
|
6.73% MER | 4 June 2025, 16:00 | 19 June 2025, 00:01 | LTM |
| 3 June 2025, 00:01 |
|
Horizon Fee Free |
Increase
|
6.49% MER | 2 June 2025, 23:58 | 23 June 2025, 23:58 | LTM |
| 2 June 2025, 10:00 |
|
Capital Select |
Increase
|
6.40% MER | 16 June 2025, 23:55 | LTM |
| 2 June 2025, 00:01 |
|
Retirement fixed |
Increase, Decrease, or Stay Same
|
5.49% MER | N/A | N/A | Mortgage |
Advise Wise Limited, 2200 Century Way, Leeds, LS15 8ZB | Company registered in England and Wales. | Company number: 11705013 | Telephone: 0333 050 8771
