11 MORTGAGE NEWSLETTER What makes Horizon stand out? It’s built around meaningful client choice. The range includes: • Fee-free and fee-paid options • An 8-year fixed ERC structure and an ERC exemption period that never expires • Downsizing protection from day one • Horizon Interest Reward, offering 5, 10 or 15-year interest payment periods • Interest rate discounts of up to 0.55% (subject to meeting relevant criteria) These sit alongside established features such as partial capital repayments from day one, inheritance protection where suitable, and flexible loan-to-values that help advisers support a broad spectrum of client needs. Seamless access through Fastpath Any product range is only as useful as the ease with which advisers can access and source it. One of the notable advantages of Horizon joining more2life is that it becomes instantly available through the same familiar processes; Fastpath and established sourcing systems, already used by advisers in the later life lending market. That consistency matters. It means advisers can explore new options without facing new systems. Applications look and feel the same. Decision-making flows through the same technology. And support comes from the same teams who already understand the pressures advisers face. This simplicity reflects more2life’s broader philosophy: technology should remove barriers, not create them. What this means for advisers Taken together, the shorter Flexi ERC period and the arrival of the Horizon suite, advisers gain both breadth and depth. 1. More tailored solutions Later life clients rarely fit into neat boxes. Some want to manage affordability, others want to protect inheritances, and many simply want to keep future options open. With the expanded product range, advisers can shape solutions with greater precision. 2. More room for client control Features such as flexible repayment options, shorter ERC terms, downsizing protection and interest rate discounts create a framework where clients can adapt their borrowing as life evolves. 3. More confidence in long-term planning With an expanded toolkit and seamless digital processes, advisers can map product features to clients’ long-term goals, whether those involve supporting family, home improvements, managing existing debts, or planning for care needs later on. A more empowered future for later life lending The integration of Horizon isn’t about adding another name to a product list. It’s about strengthening an ecosystem in which advisers have the support, tools and choice they need to deliver clear, confident advice. As more2life continues to invest in smart technology, strong service and an everbroader suite of products, one thing becomes clear: the company’s focus remains firmly on empowering advisers and shaping better outcomes for their clients. More choice. More clarity. More ways to help clients live the later life they choose.
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