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Just Retirement Lifetime Mortgage Details (Lump Sum)

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Just For You Lifetime Mortgage

  • Type Fixed
  • Rate 6.38%
  • APR 6.40%
  • Cashback
  • Free Valuation
  • Free Application
  • 5x LTV Tier Options
  • Cash Facility Option
  • 3-Year No Early Repayment Charge
  • Upto 10% Voluntary Payment Option
  • Medical Enhancements
  • 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.

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. They are one of only two lenders to offer equity release schemes in Northern Ireland. For properties in Northern Ireland certain restrictions can apply, hence contact the Equity Release Supermarket team on Freephone 0800 088 5898 to check availability.

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 cash advance on this lifetime mortgage with Just is £10,000, with the maximum loan being £1,000,000 in England, Scotland & Wales but limited to £500,000 in Northern Ireland.

For equity release loans greater than £1,000,000, bespoke quotations are available via Equity Release Supermarket. Please call Freephone 0800 088 5898 for your personalised 'Just For You' Key Facts Illustration.


The Just For You Lifetime Mortgage provides the ability to choose a retirement strategy that will provide access to many options to help you manage later life lending plans.

Just offer a generous unlimited free valuation and a fixed equity release UK lifetime interest rate.

As a company Just subscribe as members of the Equity Release Council, hence their plans include a No Negative Equity Guarantee. Therefore, upon the final sale of the property, the homeowners beneficiaries cannot be left with a personal debt to this home equity release company.


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.

Finally, should there be any history of poor health on the youngest applicant, Just can take medical history into account when calculating the terms of the lifetime mortgage. The greater the severity of the illness, the higher the potential lump sum can become. Again, the interest rate will be adjusted accordingly by Just's underwriters.

Additional borrowing maybe available should the cash reserve facility be fully utitised. If any further advances are taken, they will be charged at the interest rate applicable at the time of each withdrawal.

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 cashback deals and application fees between £0 and £600, dependent upon age and loan-to-value.
**the rate quoted applies to homeowners age 55+ and making no payments

To obtain further information or to request a quotation on the Just For You Lifetime Mortgage, please contact the Equity Release Supermarket team on Freephone 0800 088 5898 today.

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