STANDARD LIFE LIFETIME MORTGAGES LIMITED
🌳Matureactive
SC193441 · ltd · incorporated 1999-02-12
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Banks
Sector: Financial & insurance
ALSO REGISTERED FOR
- 64921Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
26 officers (3 active, 26 linked, 19 with DOB)
85
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
137 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
3
filings
- • 2 officers
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (69 events)Click to expand
- 2026-01-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-31➖GROUND, Thomas Stephen James resigneddirector
- 2025-11-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-11-10📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-05-06📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-16📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-17➕GROUND, Thomas Stephen James appointeddirector
- 2024-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-08➖SHERIFF, Rizwan resigneddirector
- 2024-03-21➕ELLIS, Steven Martyn appointeddirector
- 2024-03-21➕SCREETON, Mark Philip appointeddirector
- 2024-03-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-20➖LEVER, Samuel John resigneddirector
- 2024-03-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2024-03-01📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-01📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-10-31📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-08-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-11➖JONES, Katherine Louise resigneddirector
- 2023-07-12📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-07-10➕JONES, Katherine Louise appointeddirector
- 2023-05-11📄accounts-with-accounts-type-fullaccounts · AA
- 2022-06-07📄accounts-with-accounts-type-fullaccounts · AA
- 2021-06-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-30➖PERCIVAL, Stephen Keith resigneddirector
- 2021-04-30➕SHERIFF, Rizwan appointeddirector
- 2021-02-01➕LEVER, Samuel John appointeddirector
- 2021-02-01➖MCGUIGAN, Ciaran Francis resigneddirector
- 2018-08-31➕PEARL GROUP SECRETARIAT SERVICES LIMITED appointedcorporate-secretary
- 2018-08-31➖MCKENNA, Paul resignedsecretary
- 2018-08-31➕MCGUIGAN, Ciaran Francis appointeddirector
- 2018-08-31➖MURRAY, Steven Grant resigneddirector
- 2017-09-29➖GILL, John Easton resigneddirector
- 2017-09-29➕MURRAY, Steven Grant appointeddirector
- 2017-05-31➖HESKETH, Mark Alexander resigneddirector
- 2017-05-31➕PERCIVAL, Stephen Keith appointeddirector
- 2015-05-01➖KELLY, Miranda Anne resignedsecretary
- 2015-05-01➕MCKENNA, Paul appointedsecretary
- 2014-12-22➕KELLY, Miranda Anne appointedsecretary
- 2014-12-22➖RUST, Gillian Catherine resignedsecretary
- 2011-07-25➖MCGOVERN, Gillian resignedsecretary
- 2011-07-25➕RUST, Gillian Catherine appointedsecretary
- 2011-04-28➖BENTLEY, David Cameron resigneddirector
- 2011-04-18➕HESKETH, Mark Alexander appointeddirector
- 2011-04-15➖CAMERON, Craig resigneddirector
- 2011-04-15➕GILL, John Easton appointeddirector
- 2007-08-28➕CAMERON, Craig appointeddirector
Showing most recent 50 of 69 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Pearl Life Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pearl Life Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
STANDARD LIFE LIFETIME MORTGAGES LIMITED
This company · SC193441
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Pearl Life Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/03/2024 |
2 historic (ceased) PSCs
- Phoenix Life Limitedceased 01/03/2024· 75-100% shares · 75-100% voting · board control
- Standard Life Assurance Limitedceased 27/10/2023· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ENTREPRENEURS FIRST FOUNDER GP LIMITED→ SC493957 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| EPIDAREX PARTNERS LIMITED→ SC625112 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| EPISO 3 CO-INVESTMENT (GP) LIMITED→ SC427213 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| EPISO 3 FEEDER (GP) LIMITED→ SC463497 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| EPP GENERAL PARTNER LIMITED→ SC589199 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| EQUITIX ENERGY EFFICIENT EPS GP 1 LIMITED→ SC428478 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ERG FINANCIAL PLANNING LTD→ SC385220 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| EROS DOW GROUP LTD→ SC771210 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ERSKINE FINANCIAL LTD→ SC775875 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ERSKINE NOMINEES LIMITED→ SC055107 · est 1974 · no financials extracted | — | — | — | — | 52y | — | — |
| ESMONT LTD→ SC448081 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ESPRIT CAPITAL III FOUNDER GP LIMITED→ SC352501 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated1999-02-12
Jurisdictionscotland
Primary SIC64191 — Banks
Registered office
Standard Life House
30 Lothian Road
Edinburgh
EH1 2DH
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-04
Last: 2025-05-21
Officers (3 active · 23 resigned)
PEARL GROUP SECRETARIAT SERVICES LIMITED→
Activecorporate-secretary · appointed 2018-08-31
View their other companies + combined net worth →
ELLIS, Steven Martyn→
Activedirector · ~54y · appointed 2024-03-21
View their other companies + combined net worth →
SCREETON, Mark Philip→
Activedirector · ~62y · appointed 2024-03-21
View their other companies + combined net worth →
HOUSTON, Thomas Black→
Resignedsecretary · appointed 1999-02-12 · resigned 2003-09-26
KELLY, Miranda Anne→
Resignedsecretary · appointed 2014-12-22 · resigned 2015-05-01
MCGOVERN, Gillian→
Resignedsecretary · appointed 2007-05-01 · resigned 2011-07-25
MCKENNA, Paul→
Resignedsecretary · appointed 2015-05-01 · resigned 2018-08-31
RUST, Gillian Catherine→
Resignedsecretary · appointed 2011-07-25 · resigned 2014-12-22
SOMERVILLE, Peter Walter→
Resignedsecretary · appointed 2003-09-26 · resigned 2007-05-01
BENTLEY, David Cameron→
Resigneddirector · ~72y · appointed 2003-09-26 · resigned 2011-04-28
CAMERON, Craig→
Resigneddirector · ~67y · appointed 2007-08-28 · resigned 2011-04-15
CUMMINS, John James→
Resigneddirector · ~64y · appointed 2003-10-28 · resigned 2007-08-09
GILL, John Easton→
Resigneddirector · ~62y · appointed 2011-04-15 · resigned 2017-09-29
GROUND, Thomas Stephen James→
Resigneddirector · ~52y · appointed 2024-04-17 · resigned 2025-12-31
HESKETH, Mark Alexander→
Resigneddirector · ~65y · appointed 2011-04-18 · resigned 2017-05-31
HOUSTON, Thomas Black→
Resigneddirector · ~76y · appointed 1999-02-12 · resigned 2003-09-26
HYLANDS, John Francis→
Resigneddirector · ~75y · appointed 2003-09-26 · resigned 2007-03-31
JONES, Katherine Louise→
Resigneddirector · ~45y · appointed 2023-07-10 · resigned 2023-08-11
JOSHI, Peter Kamalakant→
Resigneddirector · ~61y · appointed 2003-09-26 · resigned 2007-04-27
LEVER, Samuel John→
Resigneddirector · ~48y · appointed 2021-02-01 · resigned 2024-03-20
Click a director name to see their full track record across all companies.
Recent filings (137 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-01-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-11
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-02
accounts-with-accounts-type-full
accounts · AA
2025-05-06
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-21
accounts-with-accounts-type-full
accounts · AA
2024-05-16
appoint-person-director-company-with-name-date
officers · AP01
2024-04-23
termination-director-company-with-name-termination-date
officers · TM01
2024-04-09
appoint-person-director-company-with-name-date
officers · AP01
2024-03-21
appoint-person-director-company-with-name-date
officers · AP01
2024-03-21
termination-director-company-with-name-termination-date
officers · TM01
2024-03-20
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-04
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-01
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-15