Standard Life Home Finance's Horizon lifetime mortgages give you everything needed to help secure a brighter financial future. With competitive interest rates and a range of market-leading features as standard at no extra cost, you can be confident you’ll find a plan with protection to help meet your needs today, as well as in the future. 

All our Horizon lifetime mortgages have been developed to help tackle the ever-growing demands of later life and come with the option to make repayments, including the freedom to repay your loan in full if you wish to move home in the future without incurring early repayment charges (ERCs). Subject to criteria.

Peace of mind with Horizon

All our lifetime mortgages include a range of flexible features designed to offer you peace of mind in later life, while meeting the standards set out by the Equity Release Council. These standards put in place by the Equity Release Council, the UK's equity release industry body, have been designed to help achieve good customer outcomes.

No negative equity

The no negative equity guarantee means you can never owe more than your home is worth or pass on any equity release debt.

Remain in your home

You have the right to remain in your property for life or until you, or the last remaining applicant, move into long-term care.

Make repayments

With any Horizon lifetime mortgage you can make ad-hoc voluntary payments of up to 10% of the original loan amount each year without any early repayment charges (ERCs). This is in addition to your contractual payments if you choose a Horizon interest reward lifetime mortgage.

Fixed interest rates

The interest rate on your lifetime mortgage is fixed for life, protecting you against any future interest rate rises.

With a Horizon Interest Reward lifetime mortgage only, to retain a discounted interest rate for the duration of your lifetime mortgage, you must keep up with making your set monthly payments for the term agreed.

Right to move home

The right to move home in the future subject to your new home meeting our lending criteria at that time

What happens next?

Supporting you every step of the way with a market-leading lifetime mortgage.

Step 1: Get expert advice

After getting in touch with us, we’ll carry out checks to ensure you’re eligible for a lifetime mortgage before arranging a call with an expert FCA-regulated equity release adviser.

The adviser we put you in touch with can only offer advice on our lifetime mortgages, and if they don’t believe this option to be suitable for you, they’ll say so. After undertaking a factfind, if equity release is a viable option, they’ll arrange a second appointment to make a recommendation. It is at this time that they will present a personalised illustration and discuss the risks, costs and benefits involved in relation to your current circumstances. 

If you wish to find your own independent financial advisers, you can search the Equity Release Council's database of registered equity release adviser members.

Step 2: Talk to your loved ones

When considering equity release, we advise you to talk to your family about it, offering them the chance to help you in making the right decision for you. You are of course welcome to invite them to the advice sessions you have with your adviser.

It’s important to keep in mind that lifetime mortgages are typically settled by your estate when the last surviving applicant passes away, and by keeping your family informed, they're able to avoid unnecessary confusion at that time.

Download our guide to choosing equity release.

Step 3: Complete the application

After deciding to proceed, it’s the role of your adviser to help you complete your lifetime mortgage application, at which point we’ll arrange for your home’s independent valuation to take place.

Step 4: Receive an offer

Upon receiving a satisfactory property valuation, we’ll provide you with an offer to confirm your borrowing requirement and you’ll be taken through the offer and legal documents by your solicitor.

Step 5: Receive your money

On completion of your lifetime mortgage, you can expect to receive the money into your bank account from your solicitor.

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