Standard Life Home Finance's dedicated site for UK financial advisers

Introducing Horizon from Standard Life Home Finance

Designed to provide the choice and flexibility required to meet the varied needs of today’s over 55s, our plans include competitive rates and an array of extras as standard, for improved protection now and in future.
Horizon fee free plans
Some of the lowest rates on the market, lump sum or drawdown options, along with a range of LTVs, and plans for clients with high property values.
Loans from
£10,000 - £1,500,000
Available to clients aged
55 - 84 (+ 364 days)
LTVs from
8% to 56% dependent on circumstances On fee free plans Zero arrangement, redemption & partial redemption
Features
  • Fixed early repayment charges for 8 years
  • Partial repayments from day one
  • Guaranteed inheritance protection automatically included where the maximum facility is not taken from the outset, up to a maximum protected element of 50%
  • Downsizing protection from day 1
  • Permanent exemption from early repayment charges on death/admission into long term care of a partner means that 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
  • Cash facility
Horizon fee paid plans
Some of the lowest rates on the market, lump sum or drawdown options, along with a range of LTVs, and plans for clients with high property values.
Loans from
£10,000 - £1,500,000
Available to clients aged
55 - 84 (+ 364 days)
LTVs from
LTVs from 8% to 56% dependent on circumstances. On fee paid plans £995 arrangement fee. Zero Redemption & partial redemption fees
Features
  • Fixed early repayment charges for 8 years
  • Partial repayments from day one
  • Guaranteed inheritance protection automatically included where the maximum facility is not taken from the outset, up to a maximum protected element of 50%
  • Downsizing protection from day 1
  • Permanent exemption from early repayment charges on death/admission into long term care of a partner means that 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
  • Cash facility
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%