Standard Life Equity Release
Standard Life entered the equity release market in 2021 with a wide range of lifetime mortgage plans.
Important: Equity release is a long-term commitment and will reduce the value of your estate. It may affect entitlement to means-tested benefits. Independent financial and legal advice is required. All plans recommended are from Equity Release Council approved lenders. Your home may be repossessed if you do not maintain required payments on a secured loan.
About Standard Life Equity Release
The Standard Life brand - one of the most recognised in UK pensions and savings - brings credibility to the later life lending market. As an independent broker, we compare Standard Life against the full ERC-approved market for every enquiry.
The options we compare
Standard Life Lifetime Mortgage Range
Standard Life offers a wide range of lifetime mortgage products including lump sum and drawdown variants. Their pensions heritage gives them specific appeal to clients who know the brand from savings and pensions products.
Standard Life Drawdown
Flexible drawdown facility - take an initial lump sum and draw from a pre-approved reserve as needed. Interest only on drawn amounts.
Optional Repayments
Standard Life plans allow voluntary partial repayments on most plans.
ERC Protections
Standard Life equity release plans are ERC-approved. No negative equity guarantee, portability, and right to remain for life.
Standard Life and Pensions Clients
For existing Standard Life pension holders, the brand familiarity and potential for a holistic retirement conversation across pension and property is an appeal.
Independent Comparison
Standard Life is one of several providers we compare for every equity release enquiry.
How We Help
Full comparison
Standard Life assessed alongside all relevant ERC-approved providers.
Live illustration
KFI from Standard Life and the most competitive alternatives.
Legal advice
Independent solicitor required for all equity release.
Completion
Standard process - typically 4-8 weeks.
Speak to our later life lending specialists
Call 0204 6211776 · Whole-of-market advice across all later life products · FCA No. 814533
Frequently asked questions
Is Standard Life a good equity release provider?
Standard Life is an established financial services brand entering equity release with ERC approval and FCA regulation. Their products are competitive and their brand is trusted. Whether they are the right provider for your specific circumstances is what we establish through whole-market comparison.
What products does Standard Life offer in equity release?
Standard Life offers lifetime mortgages - both lump sum and drawdown variants. Their product range has expanded since the 2021 launch and continues to develop. We obtain live product information at the time of every enquiry.
What are Standard Life's equity release rates?
Indicative rates in the 5.3%-6.4% AER range (August 2026). Rates change regularly. Live illustrations obtained at time of enquiry.
Should I choose Standard Life equity release because I have a Standard Life pension?
Existing Standard Life pension customers may find appeal in the brand consistency. However, the plan recommended must be the most suitable for your circumstances - not simply chosen for brand familiarity. We compare honestly.
Does Standard Life offer enhanced equity release?
Standard Life assesses health at application and may offer enhanced terms for qualifying conditions. Their enhanced offering is compared against Just and More2Life for every health-qualifying enquiry.