10 MORTGAGE NEWSLETTER The later life lending market has changed dramatically over the last decade, and advisers have played a central role in helping clients navigate those shifts. Yet as expectations rise and client circumstances diversify, we understand that choice matters. That’s the backdrop to more2life’s latest evolution. This December, the lender has taken a significant step by integrating the full Horizon and Horizon Interest Reward product suite into its line-up, while also making a major enhancement to its popular Flexi plan. The result: more control for clients, more flexibility for advisers, and even more choice. A meaningful shift in flexibility: Flexi ERCs cut to 10 years Early Repayment Charges aren’t always the headline-grabbing part of a product, but advisers know just how important they can be when planning for the long term. From 11 December, more2life is reducing the ERC period on its Flexi plan from 15 to 10 years. On the surface, it’s a simple change. But in practice, it reflects an understanding of how clients’ lives, and the advice process, are evolving. For many borrowers, a decade offers a clear runway. It creates space to make confident decisions, knowing they aren’t locked in for longer than they feel comfortable. If circumstances change; downsizing, wishing to repay earlier, or simply reassessing future plans, the shorter ERC period helps ensure they retain options. For advisers, it offers something even more valuable: the ability to recommend a flexible, competitively priced lifetime mortgage with built-in safeguards that feel aligned to reallife scenarios rather than rigid timelines. It’s a practical enhancement rooted in more2life’s long-held priority; giving advisers the tools to support their clients with clarity, not compromise. A new chapter: Horizon becomes part of the more2life family While the Flexi enhancement stands out on its own, the bigger story is the arrival of Horizon. Long regarded as one of the market’s most client-friendly lifetime mortgage ranges, Horizon and Horizon Interest Reward have now made the move from Standard Life Home Finance to more2life. This integration is far more than a rebrand. It brings together two complementary propositions: Horizon’s strength in adaptable product design and more2life’s commitment to technology, service and adviser-led support. The Horizon suite now sits alongside the wider more2life product range, which already includes Flexi, Flexi Interest Reward, Maxi, Maxi Zero ERC, Tailored and Omni, creating the widest range of lifetime mortgages on the market. Shaping the Future of Later Life Lending: What Horizon’s Arrival Means for Advisers and Their Clients By more2life Marketing Team
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