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Equity Release Compare Deals Enhanced Just For You Lifetime Mortgage

Just Retirement Lifetime Mortgage Details (Enhanced)

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Just For You Lifetime Mortgage

  • Type Fixed
  • Rate 5.75%
  • APR 5.80%
  • Cashback
  • Free Valuation
  • Free Application
  • Medically Enhanced Loans
  • Cash Facility Option
  • 3-Year No Early Repayment Charge
  • Upto 10% Voluntary Payments
  • Monthly Payment Option


Just Retirement are an established lifetime mortgage lender with a strong presence in the post retirement marketplace. Specialising traditionally in providing retirement income via annuities, they also lend money in the form of equity release schemes. Having its own equity release funding model comes with its advantages and has proved the strength of the company in this increasingly competitive lifetime mortgage marketplace.

They are not only a lender, but also a funder to other equity release companies who've developed their own product ranges. Just Retirement offer traditional roll-up lifetime mortgages ranging from drawdown, lump sum and interest only lifetime mortgages to enhanced lifetime mortgage plans.

The 'Just For You' range of lifetime mortgage plans offer a tailored approach to designing your own equity release scheme with many available options including medical enhancements to increase the size of the loan available.

Just now provide one plan that can integrate multiple features which can be individually selected based on your requirements. There are five loan-to-value tiers, each of which will determine the level of borrowing available and the interest rate charged.


The Just For You Lifetime Mortgage offers various interest rates and flexible options which all influence the eventual interest rate charged.

The minimum property valuation acceptable on the Just For You Lifetime Mortgage is £70,000, with no upper valuation figure in force. Just will accept properties that are the homeowners main residence - in England, Wales, Scotland.

The Just For You Lifetime Mortgage is available on both a single and joint life, along with tenants in common.

The youngest acceptable age for any homeowner is 55, with a maximum age limit of 85 at inception.

The minimum initial advance on this lifetime mortgage with Just is £10,000, with the maximum loan being £800,000 in England, but limited to £250,000 in Wales and Scotland.

For equity release loans greater than £800k, bespoke quotations are available via Equity Release Supermarket. Please call Freephone 0800 802 1051 for your personalised 'Just For You' Key Facts Illustration.

Just Retirement offer a generous unlimited free valuation with the initial release of equity which incurs a fixed lifetime equity release UK interest rate.

As a company Just subscribe as members of the Equity Release Council, hence their plans include the a no-negative equity guarantee. Therefore, upon the final sale of the property, the homeowners beneficiaries cannot be left with a personal debt to Just.


The Just For You - Lifetime mortgage with medical enhancements is designed to help homeowners looking to access the maximum equity release lump sum possible. In summary, this plan offers a system of lending which is based on the health of the homeowner.

This Just For You maximum loan plan offers a one-off lump sum cash amount on a roll-up lifetime mortgage basis. This is an enhanced equity release version of the 'Just For You' plan where taking health and lifestyle into account can determine the size of the loan.

Just use their underwriting expertise in assessing whether health can influence the loan amount available to the homeowner. Should an impaired medical history be proven following completion of a health and lifestyle questionnaire, then Just's underwriters will gauge how severe the condition is. The more severe, the higher the maximum release of equity could become.

Just will use the health of the youngest applicant as the determinant for the impaired calculation of the cash lump sum. The extra borrowing capacity does come at the expense of a higher interest rate.

The main qualifying health and lifestyle factors which will form the basis of a successful 'Just For You' - enhanced equity release scheme are: -

  • age, height & weight, alcohol consumption, cigarettes smoked, high blood pressure (inc latest readings), heart disease (e.g. angina), stroke, heart attack, diabetes, cancer, Parkinson's, multiple sclerosis, dementia, chronic kidney failure, chronic respiratory disease, heart, kidney, liver or lung transplant.

For additional health related criteria, please contact the Equity Release Supermarket team on Freephone 0800 802 1051.


Although this is essentially an enhanced lump sum equity release mortgage, Just Retirement will consider a further cash advance six months after the plan has commenced; should calculations dictate additional borrowing is available.

As the Just For You Lifetime Mortgage enables you to design your own plan, additional features. These options must be selected prior to offer and induction of the plan.

One option is selecting a Cash Facility option, Just will integrate a drawdown facility into the scheme. Therefore, once the maximum loan is calculated - based on age and property value, Just will provide a drawdown facility based on the funds remaining after the initial lump sum is withdrawn.

This reserve is subject to an overall maximum £200,000 drawdown facility, with the minimum withdrawal amount being £2,000 a time and comes with no administration charge. By choosing this Cash Facility, the interest rate and subsequent cash withdrawal rates will be increased by 0.1% to the standard terms.

A second option is to make monthly repayments. These payments can be selected only at outset of the plan and can be gauged based on affordability.

Just provide interest rate tiers for the monthly payment options starting with 0.01% discount if servicing up to 25% of the monthly interest amount, to 0.30% discount if servicing between 75.01%-100% of the monthly interest amount.

Selecting 100% repayment of interest, will actually maintain a level mortgage balance throughout the term; in essence managing the plan as an interest-only lifetime mortgage.

Just impose a minimum payment amount towards the scheme of £25pm, or upto 100% of the monthly interest charged. Payments can be made on the 1st or 15th of the month.

The Just For You Lifetime Mortgage will permit payment holidays - with restrictions. One payment holiday of upto three consecutive months can be taken in each 12 month period. Any payments missed will be added to the loan balance and compounded thereafter.

The Just For You plan will also allow monthly payments to be stopped at any time without penalty. However, once payments are stopped, they cannot be restarted. The plan will then effectively run as a roll-up lifetime mortgage with the interest rate being increased by the initial discount provided at the outset.

Should the Interest Servicing facility not be selected, then there is another method of making repayments with greater flexibility. This is by using the voluntary payment option whereby upto 10% of the original amount borrowed can be repaid each year without penalty.

Again, like the interest serviced option, no proof of income is required to make voluntary payments, nor are there any affordability checks made by Just. No weighting to the interest rate is made by opting for voluntary payments.

Just allow no more than a total of six payments to be made in any 12 month period, with a minimum of £500 each time. A minimum overall balance of £10,000 must still be remaining following any payment.

Another feature that will benefit joint homeowners is the 3-year window of opportunity for repayment with no penalty, should either partner die, or move into care. On such an event, the survivor has three years to repay the equity release loan without any early repayment charge.

*the Just For You Lifetime Mortgage offers cashbacks of upto £3,000 and application fees between £0 and £600, dependent upon age and loan-to-value.
**the rate quoted applies to homeowners age 55+ making no payments

To obtain further information or to request a quotation on the Just For You Lifetime Mortgage - Enhanced plan, please contact the Equity Release Supermarket team on Freephone 0800 802 1051 today.

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