Skip to main content

Standard Life Home Finance


Standard Life Home Finance gives you everything you and your client need to secure a brighter future. With a dedicated support team on hand, we are here to support you and your clients every step of the way.

When it comes to later life lending, we know that service and product flexibility are at the heart of your decision-making when it comes to recommending a solution to your clients. You need a plan that will meet your clients’ needs, a process you can trust to get them to completion quickly, and a lender that understands what an adviser needs to help their business flourish.

That’s why we focus on these areas to ensure you can spend more time doing what you do best – helping clients achieve a better outcome in retirement.

Key Features

  • Fixed early repayment charges for eight years – usually 10 – 15
  • Unrestricted ERC exemption on death/admission into LTC of first borrower – usually restricted to 3 years from event
  • Downsizing protection from day one – usually only applies after 5 years
  • Inheritance protection automatically included – usually an added option and/or extra cost
  • Partial repayments from day one

Tools to help you

We have created a range of online tools to help you with your conversations with clients, including how to demonstrate the power and flexibility of some of our market-leading features.

Today’s lifetime mortgages are more flexible than ever and our Horizon plan has some of the best features available in the market – it’s just one of the reasons Defaqto has given Horizon a 5 Star Rating.

Our calculators and tools are designed to help bring some of these features to life, demonstrating the power of the Horizon plan and the control it gives to your clients.

View their tools for full details.

Useful links

Adviser Guide
Product Guide (Approved for use with customer)
Tariff of Charges
Lending Criteria

Registration Process

To register with Standard Life Home Finance you can register on their online portal, connect here.

To ensure you receive the correct commission, each adviser when creating a KFI for a client via their own user profile, select TMA as your payment route.

Contact details

To get in touch with Standard Life Home Finance contact their Helpdesk on 0333 307 9000 or email them at

Get in touch with us today.

Need criteria support? Contact the experts on our Broker Support Team.