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
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
Downsizing protection
This vital protection applies from Day 1 and ensures your client has the flexibility they need should their circumstances change
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.
Inheritance protection
Future peace of mind included automatically from the outset where your client doesn’t take the maximum facility available up to a maximum of 50%