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Standard Life


Standard Life, once one of the UK’s leading mutuals, are now part of the Phoenix Group and have become the largest UK long-term savings and retirement businesses.

As part of this strategy, Standard Life Home Finance entered the equity release market in late 2021 with a range of drawdown and lump sum lifetime mortgages. This Horizon product


Standard Life Horizon Plan

The Horizon range of products offer a choice of drawdown or lump sum lifetime mortgages. Both options come with 8-year fixed early repayment charge (ERC) period and competitive interest rates.

Horizon plans also come with various loan-to-value (LTV) options, which provide tiered interest rate solutions. This basically means, the lower the LTV, the lower the Horizon interest rates become and vice versa.

Plans start from age 55, upto a maximum age of 84 and are available on properties between £99,000 and £5.1 million. The minimum and maximum loans are £10,000 and £1.5 million respectively.


Standard Life Equity Release Calculator

The Standard Life equity release calculator will advise the maximum amount of borrowing that’s available between these ages.

Remember, your local independent adviser is always on hand if you have any questions about the Standard Life Horizon lifetime mortgage range.


How much money could Standard Life release?

Do the high street banks offer lifetime mortgages?

The ‘big 6’ high street banks - that is Halifax, Barclays, Lloyds, HSBC, Santander and Royal Bank of Scotland (RBS) don’t currently offer lifetime mortgages or other equity release plans themselves.

Recently, Nationwide entered the lifetime mortgage market but instead of offering its own range of plans, it refers its members to Pure Retirement

Call us anytime

We understand that with different options to choose from, it can be difficult to find the right lifetime mortgage plan provider for you. That’s why our team of expert and impartial advisers are on hand to answer all your questions and find the right solution for you.

It costs nothing to give us a call and the first and only person you’ll speak to is your local adviser. That’s because we don’t have call centres. Just highly qualified and experienced advisers ready to help you.