What is Horizon?

Horizon is a flexible later-life lending solution designed to adapt to your clients’ changing priorities. It brings together competitive interest rates, a wide choice of LTVs and loan sizes, and the freedom to shape repayments from the very start with Horizon Interest Reward. Clients can make partial repayments whenever they choose, subject to criteria, benefit from fixed early repayment charges that end after eight years, and enjoy built-in downsizing protection from day one. Available as both a lump sum and drawdown option, Horizon gives you the tools to create personalised plans that support long-term financial confidence.

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Who is this product for?

Horizon is ideal for clients who want control, reassurance and room to manoeuvre as they navigate later life. It’s suited to those who value certainty around costs, appreciate the option to repay flexibly, and want the confidence of knowing they can adjust their plan if their circumstances evolve. Whether clients are looking to release funds in stages, manage repayments at their own pace, or build security into their long-term plans, Horizon offers the flexibility and stability that help them stay in control of their future.

Why choose Horizon?

It’s built around flexibility from day one

Horizon lets clients make partial repayments of up to 10% each year from the day the loan completes, starting from just £50. It gives them the freedom to manage borrowing their way and reduce interest build-up without early repayment charges, subject to terms.

It’s protection designed for peace of mind

With downsizing protection from day one, clients can move home and repay their loan in full without early repayment charges if their new home does not meet lending criteria. It’s flexibility that supports life changes while offering lasting reassurance in later life.

It rewards clients for taking control

For lump sum plans, the Interest Reward feature offers a rate discount for clients who commit to regular interest payments for a specified term. By paying between 25% and 100% of the interest, they can lower their borrowing costs and stay in control.

Key features

Age Range

Available to clients aged

55-84 (+364 days)

LTVs

from

2% - 49%

Loans from

£15,000 - £1,500,000

Lending criteria & other useful tools

Utilise our interactive tools to assess eligibility for your clients.

Lending criteria tool

Quickly check whether your client fits Horizon’s criteria, so you can check eligibility faster and with confidence.

Find out more

Max LTV calculator

Instantly calculate how much your client could release with Horizon’s LTVs, helping you find the right fit early on.

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Retained equity tool

Show clients how overpayments could help them manage costs over time.

Find out more

Dedicated support tool

Enter your FCA number to instantly find your dedicated more2life support team, so you know exactly who to speak to for help with your next Horizon case.

Find out more

Helpful Horizon Interest Reward downloads

Lending criteria

A clear breakdown of Horizon's criteria to help you check client suitability fast and avoid unnecessary delays.

Download

Tariff of charges

A full list of any costs that could apply, so you can provide accurate information and set expectations early.

Download

Product info sheet

A practical overview of who Horizon is suitable for (and who it isn’t), helping you place the right cases, first time.

Lump Sum Download

Drawdown Download

Talk to our Adviser Support Team

Our expert team is here to assist you with any questions or support you need.

Phone

Lines are open:
Monday to Friday from 9am to 5pm

03454 500 151

Email

Or, if you'd prefer to do things online,
you can email us at

[email protected]

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