Compare JUST Equity Release

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Fluent Money logo
  • We’ve teamed up with leading equity release advisers Fluent Lifetime to help you in your search for a Just lifetime mortgage
  • If you're over 55 you may be able to release some of the cash tied up in your home without having to move
  • Take a tax-free lump sum or smaller amounts, secured against your home’s value with a lifetime mortgage from Just
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A lifetime mortgage is secured against your home, think carefully before securing debts against it. Ask for a personalised illustration to fully understand the risks and benefits before considering.

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9 products found based on age of 70, total borrowing of and LTV of 40.00%
    • JUST logo

      JUST

      • MER / Annual Rate
        3.35%
      • MAX LTV
        42.00%
      • Max You Can Borrow
        £105,000
      • Lender Fees
        £0

    Other Equity Release Providers

    • LV logo

      LV

      • MER / Annual Rate
        2.99%
      • MAX LTV
        41.00%
      • Max You Can Borrow
        £102,500
      • Lender Fees
        £0
    • more2life logo

      more2life

      • MER / Annual Rate
        3.18%
      • MAX LTV
        40.00%
      • Max You Can Borrow
        £100,000
      • Lender Fees
        £0
    • Legal & General Home Finance logo

      Legal & General Home Finance

      • MER / Annual Rate
        3.20%
      • MAX LTV
        41.00%
      • Max You Can Borrow
        £102,500
      • Lender Fees
        £599
    • Scottish Widows logo

      Scottish Widows

      • MER / Annual Rate
        3.32%
      • MAX LTV
        41.00%
      • Max You Can Borrow
        £102,500
      • Lender Fees
        £0
    • Pure Retirement logo

      Pure Retirement

      • MER / Annual Rate
        3.69%
      • MAX LTV
        47.00%
      • Max You Can Borrow
        £117,500
      • Lender Fees
        £895
    • Canada Life logo

      Canada Life

      • MER / Annual Rate
        3.73%
      • MAX LTV
        40.00%
      • Max You Can Borrow
        £100,000
      • Lender Fees
        £0
    • Aviva logo

      Aviva

      • MER / Annual Rate
        4.20%
      • MAX LTV
        46.00%
      • Max You Can Borrow
        £115,000
      • Lender Fees
        £5
    • Onefamily logo

      Onefamily

      • MER / Annual Rate
        6.29%
      • MAX LTV
        50.00%
      • Max You Can Borrow
        £125,000
      • Lender Fees
        £950

Overall Representative Example for a Lifetime Mortgage from Fluent Lifetime

Most Fluent Lifetime customers have received a fixed annual interest rate of 2.84% or lower, based on an average loan size of £50.000, the overall cost for comparison is 3.2% APRC.

The information contained on this page has been approved for the purposes of Section 21 of the Financial Services and Markets Act 2000 by Fluent Lifetime Ltd, an appointed representative of Fluent Mortgages Ltd who are authorised and regulated by the Financial Conduct Authority firm registration number 458914.

A lifetime mortgage is a form of equity release. Think carefully about securing other debts against your home, which you could lose if you fail to meet the terms of the mortgage. Check the mortgage meets your needs if you want to move or sell your home, or you want your family to inherit it. Lifetime mortgages can affect tax and benefits. To understand the features and risks of a Lifetime Mortgage, ask for a personalised illustration..

Fluent Lifetime is a Lifetime Mortgage broker, not a lender. They are not limited in the range of lifetime mortgages they will consider for you. Fluent Lifetime does not offer home reversion plans. Fluent Lifetime Ltd. Registered in England and Wales. Company Registration No.11226852. Data Protection Reference number ZA451714. Registered Office: 102 Rivington House, Chorley New Road, Horwich, Bolton BL6 5UE. Telephone 01204 472060

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Last updated on 10 June 2021.

JUST - Equity Release FAQs

What is JUST?

Just, or Just Group plc, is a Surrey-based financial services provider specialising in products and services catering to consumers approaching or already in retirement.

What products do JUST offer?

Just offers financial products including equity release plans in the form of lifetime mortgages. These products allow you to take out a loan against your own home. You can receive a cash lump sum or release money as required through a cash facility.

How do I get a JUST equity release plan?

Just requires consumers to meet specific criteria to be eligible for its equity release plans. You must be aged 55 or over and own your own home. The property must be your main residence and be based in England, Wales, Scotland or Northern Ireland.

How does the JUST equity release plan work?

Just equity release plans allow you to tap into the value of your main residence, unlocking money when you need it. Interest rates are set at the time you release the equity, and are fixed for the duration of the lifetime mortgage. The loan and interest must be repaid within 12 months of your death or when you move into long-term care. Just does provide options allowing you to pay the interest in part or fully to reduce the overall cost of the loan.

How much can I release with JUST equity release?

The maximum amount you can borrow through a Just equity release plan is determined by factors unique to your own situation including your age (you must be over 55) and the value of your property. The location of the property can also affect how much you can release, as the maximum that you can release in England, Scotland and Wales is £1 million, but this drops to £250,000 for Northern Ireland. The minimum borrowing amount is £10,000, or £20,000 if you choose to make monthly payments.

What can I use JUST equity release for?

The cash released from equity release through a Just lifetime mortgage can be used for a variety of purposes. However, consumers often use it for home improvements, paying down existing debts, repaying mortgages or simply supplementing income when money is tight.

Where can I find JUST reviews?

If available, it is wise to seek reviews for Just from the likes of Trustpilot or other trusted review websites. When searching for the right equity release provider, such reviews allow you to read about real customer experiences.

Services offered by this provider may change over time. Always check Ts&Cs