

Key Takeaways
- Just is a UK-based provider offering tailored equity release products, including the Just For You Lifetime Mortgage.
- Borrowers can choose interest roll-up or make monthly repayments, with potential discounts for energy-efficient homes.
- Applicants must be aged 55–85, and properties must meet specific criteria, including a minimum value of £70,000.
- Just’s lifetime mortgages require professional advice, with HUB Financial Solutions providing guidance and recommendations.
Just Equity Release has helped borrowers release more than £6.7 billion from their homes1, so could Just’s product be right for you?
In this article, we’ll take a look at what Just offers and what its pros and cons are so you can decide if this could be a potential solution for your retirement.
COMMENT: TimeBank is an independent third-party data provider, and the information shared here reflects their views alone, not necessarily those of Just. This article is for informational purposes only and should not be considered financial advice or a recommendation to engage with any products offered by Just.
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- Who offers the LOWEST rates available on the market.
- Who offers the HIGHEST release amount.
- If you qualify for equity release.

What Is Equity Release?
Equity release is a kind of financial product that allows homeowners to access a portion of the cash value of their homes.
This can be done through a lifetime mortgage or home reversion plan, both of which provide access to tax-free cash while letting homeowners stay in their property.
Who Are Just?
Just is a UK-based financial services provider specialising in retirement solutions, including equity release.2
Just is known for personalised lending based on factors such as health and lifestyle.3
Does Just Offer Equity Release?
Yes, Just offers equity release in the form of a lifetime mortgage.
This product is known as the Just For You Lifetime Mortgage.
The Just For You Lifetime Mortgage
The Just For You Lifetime mortgage allows homeowners to borrow against the value of their property while retaining ownership.

With this lifetime mortgage, you can choose to let the interest roll up, or you can make monthly interest repayments to prevent the interest from compounding.
The debt will be repaid from the sale of your home once you pass away or move into long-term care.
This lifetime mortgage is designed to be customisable to your particular needs.
For instance, certain health and lifestyle factors may be taken into account, which can give you access to better interest rates or higher borrowing amounts.4
Features of the Just For You Lifetime Mortgage
The Just For You Lifetime Mortgage includes a number of notable features.5
These include:
- Medical Underwriting: This allows for a more accurate assessment of the borrower’s health, potentially leading to more favourable terms.
- Flexible Borrowing Options: Borrowers can take an initial lump sum and access further amounts later by making use of a drawdown facility. Your drawdown facility can go up to £200,000.
- Voluntary Payment Options: Borrowers can choose to make interest payments of between £25 and 100% to reduce the overall cost.
- Energy Performance Discount: Borrowers with homes rated A, B, or C on their Energy Performance Certificate (EPC) receive a discount on their interest rate.
Who Qualifies?
To qualify for a Just lifetime mortgage, you and your home will have to meet certain criteria.6
Basic eligibility criteria include:
- Your home must be located in England, Wales, mainland Scotland, and Northern Ireland.
- Your home must be worth at least £70,000; if it’s an ex-MOD property, it must be worth at least £100,000.
- Your home must be of standard construction. Speak to your advisor to find out which specific construction types are acceptable.
- You will have to have been resident in the UK for at least three years before applying and be a UK national or have Indefinite Leave to Remain.
- You’ll need to be between 55 and 85 years old.7
Depending on the exact nature of the plan, there may be other eligibility factors to take into account, so speak to your advisor to make sure you qualify.
Could Just’s Lifetime Mortgage Be Right For You?
To find out if Just’s Lifetime Mortgage could be right for you, take a look at the pros and cons of the product and speak to your advisor.
Benefits of the Just For You Lifetime Mortgage
Benefits of the Just For You Lifetime Mortgage include its flexibility.
Benefits to consider:
- You can continue living in your home without needing to move.
- There are no mandatory monthly repayments. You only repay the loan when you die or move into long-term care.
- You can choose to make monthly interest payments to reduce the overall cost of the loan.
- If you have chosen to make monthly interest payments, you can request a three-month payment holiday every 12 months.8
- Based on your health and lifestyle, you might be able to borrow more or enjoy a lower interest rate.
- Properties with high energy efficiency ratings may qualify for a discounted interest rate.
Remember to consider the potential risks and downsides of this lifetime mortgage alongside the benefits.
Drawbacks to the Just For You Lifetime Mortgage
Drawbacks to the Just For You Lifetime Mortgage are consistent with those of other providers’ equity release products.
These include:
- The loan amount, plus accumulated interest, will reduce the value of your estate.
- Releasing equity might impact your entitlement to means-tested state benefits.
- Interest on the loan compounds, meaning you’ll owe interest on the interest already accrued (unless you have chosen to make interest payments).
- If you repay the loan early, you may be charged a penalty (Early Repayment Charge).
- Just’s lifetime mortgage is not available on properties located on the Scottish Islands, the Isle of Man or the Channel Islands, or in ‘rural areas with low demand and limited local amenities’.9
- The voluntary interest-payment option can only be chosen when you apply for the loan and not at a later stage.10
- Once you stop making interest payments, you can’t start again.11
Speak to your advisor to discuss how the potential drawbacks could affect you.
Consulting an Equity Release Advisor
Consulting an equity release advisor is a crucial step when deciding on your lifetime mortgage options.
It’s also a mandatory requirement for all applicants.
If you are considering a Just lifetime mortgage, you will be required to get in touch with HUB Financial Solutions.

Things to know about HUB’s advisory services:
- HUB provides advice on equity release products sold by companies like Aviva, Legal & General, Just, and Canada Life.
- HUB has over 16 years’ experience and has helped more than 80,000 clients assess whether equity release is right for them.
- A full financial review will help you make sure you’re receiving all eligible state benefits.
- The initial consultation is free with no obligation; if proceeding, an advice fee of £1,100 applies upon completion.
- As a member of the Equity Release Council, HUB only recommends products with a No Negative Equity Guarantee, ensuring clients or their loved ones never owe more than their home sells for.
Does Just Have an Equity Release Calculator?
Yes, Just has an equity release calculator.
You can use their indicative lifetime mortgage calculator to get an idea of how much you may be able to borrow.12
You can also use our free equity release calculator to find out how much equity you may be able to access.
Just Client Reviews
Just client reviews on Trustpilot give the company an aggregate rating of 4.6 out of 5 stars (from 400+ reviews).13
Many of these reviews praise Just’s customer service.
Contact Just
You can contact Just in a few different ways.
Your options are:
- phone: 01737 233297
- email: support@wearejust.co.uk
- contact form: available here
Alternatives to Equity Release
Alternatives to equity release should be something you discuss with your advisor when figuring out if a lifetime mortgage would be the best fit for you.
Some alternatives are:
- Downsizing: Selling your home and moving to a smaller, less expensive property can free up cash while avoiding debt and interest costs.
- Retirement Interest-Only (RIO) Mortgage: A RIO mortgage allows you to borrow against your home while making monthly interest payments, with the loan repaid when you sell the property, move into care, or pass away.
- Remortgaging: If you have an existing mortgage, remortgaging to a better deal or borrowing more could provide the funds you need at a lower cost than equity release.
- Personal Savings & Investments: Using savings, ISAs, pensions, or other investments may provide the money you need without taking on additional borrowing.
- Government Grants & Benefits: If you’re struggling financially, you may qualify for government benefits, home improvement grants, or council tax reductions, reducing the need for equity release.
- Renting Out a Room (or Your Property): If you have extra space, letting out a room under the Rent a Room Scheme (tax-free up to £7,500 per year) or renting out your home while living elsewhere can generate income.
Each option has its pros and cons, so make sure you take the time to understand what each alternative entails.
Just Regulatory Details
Let’s take a look at how Just is regulated.
Trading Names
- Just
- Just Retirement Limited
FCA Permitted Services
- Accepting Deposits
- Carrying out contracts of insurance
- Effecting contracts of insurance
- Administering a regulated mortgage contract
- Entering into a regulated mortgage contract as lender
- Arranging (bringing about) deals in investments
- Dealing in investments as principal
- Establishing/operating/winding up a personal pension scheme
- Making arrangements with a view to transactions in investments
- Arranging (bringing about) deals in investments
- Dealing in investments as principal
- Making arrangements with a view to transactions in investments
Regulators
Registration Numbers
- FCA ref. number: 232595
- Companies House reg. number: 05017193
FCA & Companies House Link
- FCA link: Just Retirement Limited
- Companies House link: Just Retirement Limited
Common Questions
How Does Just Equity Release Affect Inheritance?
Is Just Equity Release a Member of the Equity Release Council?
Who Is Eligible for Just Equity Release?
Are There Any Monthly Repayments Required?
What Happens If I Want to Repay My Loan Early?
Final Thoughts on Just Equity Release
Equity release can be a useful option for homeowners looking to access funds in later life, but it’s essential to consider the long-term impact on inheritance and future finances.
Just offers a lifetime mortgage designed to provide flexibility and security; however, equity release isn’t right for everyone, so seeking independent financial advice is crucial.
By carefully weighing the benefits and potential drawbacks and consulting a qualified equity release advisor, homeowners can make an informed decision about whether Just Equity Release is the right choice for their needs.
WAIT! Before You Go…
How Much Equity Can You Release?