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

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