Our lifetime mortgages

Horizon from Standard Life Home Finance gives you and your client everything needed to secure a brighter future – competitive rates, a range of LTVs and market-leading features included as standard at no extra cost.

Create a KFI for our 5 Star Rated Horizon plan in just seconds with our connect portal

Introducing the Horizon range and Horizon Interest Reward

Designed to provide the choice and flexibility required to meet the varied needs of today’s over 55s, our plans include competitive rates and an array of extras as standard, for improved protection now and in future.

Horizon plans (fee free and fee paid)

Some of the the most competitive rates on the market, lump sum or drawdown options, along with a range of LTVs, and plans for clients with high property values.

Loans from

£15,000 - £1,500,000

Available to clients aged

55 - 84 (+ 364 days)

LTVs from

2% to 52% dependent on circumstances

On fee free plans

Free survey

On fee paid plans

£995 arrangement fee

Features

Fixed early repayment charges for 8 years
Partial repayments from day one
Downsizing protection from day 1
Permanent exemption from early repayment charges on death/admission into long term care of a partner means that if your client is taking out a lifetime mortgage with a spouse or partner and one party dies or is admitted into long-term care, the remaining borrower can repay the loan in full without incurring any early repayment charges
Cash facility

Documents

Horizon Interest Reward

Available on Horizon lump sum plans only. From Horizon 300 upwards.

For clients who are willing and able to commit to set monthly interest payments for a specified term of their lifetime mortgage. By committing to make these monthly interest payments your client is able to access a discounted interest rate for the duration of their lifetime mortgage.

Find out more on the Product Guide linked above or explore the available discounts via the Rates and LTVs document.

Consumer Duty Horizon Interest Reward

Our innovative new lifetime mortgage solution has been designed with clients in mind, giving them more flexibility and control - with market-leading features included as standard at no extra cost, competitive rates and a broad range of LTV options, no wonder Horizon plans have a 5 Star Rating from Defaqto.

Fixed ERCs

With Early Repayment Charges that last for just 8 years, your client knows exactly where they stand

Download our guide

Capital repayments

Your client is free to make ERC-free capital repayments of up to 10% of the initial loan each year from Day 1 and a minimum of just £50

Try Our calculator

Downsizing protection

This vital protection applies from Day 1 and ensures your client has the flexibility they need should their circumstances change

Download our guide

ERC exemption

If your client is taking out a lifetime mortgage with a spouse or partner and one party dies or is admitted into long-term care, the remaining borrower can repay the loan in full without incurring any early repayment charges.

Download our guide

Loan to Value Calculator

Voluntary Repayment Calculator

Partial Repayment Calculator

Our range of calculators and tools

Today’s lifetime mortgages are more flexible than ever and our Horizon plan has some of the best features available on the market – it’s just one of the reasons they have received a 5 Star Rating by Defaqto.

Our calculators and tools are designed to help bring some of these features to life, demonstrating the power of the Horizon plan and the control it gives to your clients.