Standard Life Equity Release
Standard Life entered the equity release market in 2021 with a wide range of lifetime mortgage plans.
Independent introduction serviceAccess to specialist lendersNo obligation
Get Indicative TermsGet indicative terms - free, no obligation
Doulton Money Limited · No obligation enquiry
What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
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. The specialist brokers we work with source plans 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 introduction service, we introduce you to equity release specialists who can compare Standard Life against other ERC-approved lenders.
The options available
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.
Specialist Introductions
Standard Life is one of several providers an equity release specialist can compare.
How It Works
Full comparison
The specialist considers Standard Life alongside other 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 · Introductions to later life lending specialists
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 a specialist adviser can establish for you.
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. The specialist you are introduced to can obtain live product information.
What are Standard Life's equity release rates?
Indicative rates in the 6.3%-7.8% AER range (September 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. A specialist adviser can weigh this honestly.
Does Standard Life offer enhanced equity release?
Standard Life assesses health at application and may offer enhanced terms for qualifying conditions. A specialist adviser can compare their enhanced offering against Just and More2Life for health-qualifying cases.