Who are we?
Standard Life Home Finance is an equity release lender in partnership with Key Retirement Solutions Ltd. We help customers transform their retirement with our range of market-leading lifetime mortgages.
Standard Life Home Finance is a trading name of more2life Limited and is operated by third-party, Key Group.
When it comes to later life lending, we know how important it is to choose the most suitable solution for you, and we understand the careful considerations you need to take when navigating big decisions such as these. That’s why we’re here to support you every step of the way with a dedicated team on hand to guide you through your equity release journey.
Before you take out a SLHF lifetime mortgage, you need to seek specialist equity release advice from a fully-qualified equity release adviser and receive the guidance you need to make an informed decision.
If you’re considering equity release in your later life finances, you will find a trusted and FCA-regulated lender in Standard Life Home Finance.
We’re here to help you achieve a life full of possibilities.
What is Equity Release?
Our lifetime mortgages
At Standard Life Home Finance, our Horizon lifetime mortgages have been developed with a range of flexible market leading features, designed to help put you in control of your financial future.
All Horizon lifetime mortgages have received a 5 Star Rating by Defaqto, meaning they come with a comprehensive range of market-leading features, offering you the ability to move home or repay your loan in full if your partner passes away or goes into long-term care, subject to criteria. Defaqto is a leading financial information, ratings and fintech business, helping customers, financial institutions and financial advisers make better informed decisions.
Our lifetime mortgages meet the standards set out by the Equity Release Council, which means they come with several safeguards to help protect you and your loved ones. This includes ensuring you retain full ownership of your home and never being able to pass on any equity release related debt to your beneficiaries.
View our range of lifetime mortgages designed to help you tackle the ever-growing demands of later life and put you in control of a brighter financial future.
Our lifetime mortgages
Here to help
We understand the ever-growing demands that come with later life and are committed to delivering a clear and competitive service throughout your equity release journey.
Our dedicated customer service agents are on hand to support you every step of the way. Whether you’re a new customer looking to explore your later life lending options, or an existing equity release customer looking for support with your lifetime mortgage plan, our team are here to help.
Get in touch
Getting the right advice
If you are considering a lifetime mortgage, it is required that you first seek advice from a qualified equity release adviser who will help you understand your options and advise on what is right for you.
All Equity Release Council members agree to abide by Equity Release Council rules, guidance and standards, and have signed up to the Council's Statement of Principles. When finding your equity release adviser, you can search the Equity Release Council's database of registered equity release adviser members.
Find an adviser
What to consider before taking out a lifetime mortgage
When considering equity release, we want you to be aware of the following before making a decision.
- A lifetime mortgage is a loan secured against your home and subject to compound interest, meaning the amount you owe can grow quickly
- Equity release will reduce your estate’s value and may affect your entitlement to means-tested benefits
- A lifetime mortgage may result in limited or no property equity remaining and will reduce your financial options in the future
- You should always think carefully before securing a loan against your home to repay existing debt
- The loan, plus compound interest, is typically repaid through the sale of the property when the last remaining applicant passes away or moves into long-term care
- The Modern Lending Advisers fee of £599 is only payable on completion. All their equity release advice relates to Standard Life Home Finance's Horizon lifetime mortgages.
