A lifetime mortgage will reduce the value of your estate and could affect your entitlement to means tested benefits.

We were able to stay in the property, that we love even more now, and have access to funds.

- Ange, 56, Birmingham

Every customer's circumstances and story is unique, as is the reason they took a lifetime mortgage. Standard Life Home Finance has helped thousands of customers to unlock funds from their home to support their personal needs and aspirations.

Introducing Cliff, Ange, Helen, and Sonia - Standard Life Home Finance Customers

Standard Life Home Finance customers Cliff, Ange, Helen, and Sonia have all used some of the value from their home - via a lifetime mortgage - to support their individual retirement aspirations, while remaining in the homes they love and the communities they love living in.

What customers who took a lifetime mortgage say

One of the things we can give our grandchildren is a good education. I don’t think we’d have been able to do that, in the same way, without using equity release.

- Neil, 76, Surrey

This has had a profound effect on the whole family’s freedom of mind.

- Alan, 81, Cheshire

  • Boosting income in retirement – Helen’s story

    While Helen felt her week-to-week budget was sufficient, she didn’t have the savings available to make necessary improvements to her home or to do the things she wanted to enjoy in her retirement. In Helen’s own words, she ‘didn’t want to be scrimping and saving, worrying about how to finance things like routine maintenance on the house’ so following a consultation session with an adviser, Helen decided to take a Standard Life Home Finance lifetime mortgage.

  • Involving family in the decision – Cliff and Ange’s story

    For Cliff and Ange, involving their children in the conversation about whether to take a lifetime mortgage was a priority, ensuring the family were all comfortable with their decision. Staying in their own home in later life was important to Cliff and Ange, so after meeting with an adviser they decided to take a Standard Life Home Finance lifetime mortgage to make necessary upgrades to the home, as well as have funds available to be able to support their children and grandchildren, should the need arise.

Next steps

  • Speak with an adviser

    Introduce me to your external advice partner who can tell me more about lifetime mortgages

  • How much can I borrow?

    Calculate how much money I may be able to access from my home

  • How much does it cost?

    Find out the costs involved with a lifetime mortgage mortgage