A new lending proposition
At Standard Life Home Finance, we understand how modern equity release specialists like you operate and the challenges you face in a market that is rapidly evolving. That’s why we’ve developed a lending approach that is clear, competitive and client-focussed so you will have the confidence to recommend our plans and submit your applications without any fuss – putting you and your clients in control of a brighter financial future.
For more details, get in touch with a member of our adviser support team today.
We are your trusted partner in later life lending, providing you with the support and
tools you need to deliver a better later life outcome for your clients. We never forget
that advisers are critical to the future success of this market and that you need a
lending partner you can count on to support you as you grow your business.
Standard Life Home Finance takes pride in being:
Standard Life Home Finance takes pride in being:
Capable
Our later life lending capabilities can be trusted to give advisers peace of mind and a competitive edge
Transformative
Our lending product solutions are designed to transform retirement outcomes for your clients and put them in control
Supportive
We are fully focused on supporting later life advisers and helping build a more successful market
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
Fixed ERCs
With Early Repayment Charges that last for just 8 years, your client knows exactly where they stand when it comes to the repayment of their loan
Downsizing protection
This vital protection applies from Day 1 and ensures your client has the flexibility they need should their circumstances change
Inheritance protection
Future peace of mind included automatically from outset where your client doesn’t take the maximum facility available
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
ERC exemption
If a borrower’s spouse/partner dies or goes into Long Term Care, they can repay their loan in full, free from ERCs - applies from outset and with no time limit, as long as they are also an applicant