Just Retirement Equity Release & Lifetime Mortgages Review For 2026
Just Retirement’s equity release products offer a range of benefits to UK customers. They provide a source of retirement income, allow homeowners to access the value of their homes, and can also be used as an inheritance-tax-planning tool.
Customers can also benefit from competitive interest rates and personalised guidance from dedicated advisors.
Example Equity Release Plan For 2026
- Equity release at 4.67%.
- Free valuation for UK borrowers over 55
- No monthly payments unless you an prefer interest-only option
- Continue to live in your home and retain 100% ownership
- You can still move home as this plan is transferable
- Can be utilised as part of the tax planning process
- Up to 70% loan-to-value available
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Are you looking to secure your financial future and that of your loved ones? Equity release could be the way to do it.
With over 300 plans available, you’re sure to find something that suits your needs, regardless of the economic climate. Interest rates are competitive, and loan-to-value ratios are high. You can even protect a portion of your home’s value so that when the time comes, it will still go towards your estate and heirs.
It’s easy to get started – fill out the form above, and in no time, you’ll have a free quote in hand with no strings attached. Additionally, our online form is secure and easy to complete. Get started today and see how equity release could help stabilise your finances and those of your family members.
Do any of the following apply to you?
- Do you have a mortgage you need to pay off?
- Do you require money for repairs or home improvements? Like a new kitchen or bathroom.
- Would you like to help a family member purchase their first home?
- Would you like to pay off all your credit cards and loans and have zero monthly payments?
- Use the money to purchase another property. Maybe take a world holiday or cruise?
Let’s Get Started: Just Retirement Equity Release Review
Just Retirement merged with Partnership Assurance in late 2015 due to pension reforms announced in the 2014 budget. The same year, Retirement Advantage acquired Stonehaven Equity Release for the same reasons. Following the merger, Just Retirement rebranded as ‘Just’, despite all its products being squarely focused on retirement finance.
The Just product range includes savings, investments, credit, mortgages, pensions, and plans for later life care funding. They also offer equity release products, including lifetime mortgages such as lump-sum and income drawdown, as well as home reversion plans.
Our Just Retirement Equity Release reviews focus solely on lifetime mortgages and exclude home reversion plans. Suppose you’re interested in a home reversion plan, which involves selling some of the equity in your home for below market value instead of borrowing against your home equity. In that case, we welcome you to speak to one of our advisors.
During our Just retirement review, we noted that all equity release products are regulated by the Financial Conduct Authority, which regulates Just.
In addition, Just is a member of the Equity Release Council (ERC), so homeowners interested in any of its equity release products will benefit from the ERC’s no-negative-equity guarantee and the right to retain full homeownership for the rest of their days, or for the rest of their partner’s. All members of the Equity Release Council are required to provide homeowners with those two assurances.
About the Just Brand
The tagline for Just Group PLC sums up what Just is about…
“We Help People Achieve A Better Later Life”
The Just Retirement Group was first established in 2004. Their first products, aimed at retirees, were guaranteed income plans offered through pension annuities.
Annuities were the target of the 2014 budget announcement of pension reforms, forcing annuity providers to innovate or risk being left behind if they didn’t offer alternative financing solutions that were better than the annuities available before 2015.
As part of the Just Retirement journey, the group focused a lot on understanding how health and lifestyle affect life expectancy. They’d compile data to understand how different conditions would affect people’s lives and livelihoods, and design ‘enhanced terms’ into their financial solutions to meet the needs of retirees.
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This strategy has served them well by keeping them centred on customer needs, and it has also resulted in Just Retirement receiving five stars in the Financial Advisor Service Awards for the Life and Pensions category every year since 2005.
By 2016, Just Retirement Limited had formed the Just Retirement Money Limited Group, offering a more diversified range of products for later-life borrowers, with a stronger focus on those nearing retirement rather than those already retired.
The Just Retirement Money Group became voluntary members of the Equity Release Council, ensuring the products provided to those nearing retirement were in line with the ERC’s Statement of Principles. For customers, it meant safe, reliable and trusted financing solutions with integrated guarantees.
The Just Equity Release products currently available offer a range of financing solutions for individuals aged 60 and above who either own their homes outright or have a small remaining mortgage balance.
If you feel equity release could benefit your finances, speak to one of our advisors today. Equity release can only be entered into after you’ve received professional financial advice.
As well as writing this just retirement review, we also provide expert equity release advice in addition to a free whole of market equity release comparison, ensuring you’re fully informed and have access to the best deals available both for now and in the years to come.
About Just Lifetime Mortgages
Just offer two types of lifetime mortgages: one for near-retirees and those in retirement, providing a more substantial one-off payment based on their property valuation and age at the time of application.
In addition to a one-off payment, Just also offers a lump sum with an income drawdown plan, which can provide supplemental income during retirement or as smaller one-off payments as and when you need them. Enhanced Lifetime Mortgages are also available to those with a shorter life expectancy due to existing health concerns.
An overview of each of the plans is listed below:
The Just Drawdown Plan
This is a lifetime mortgage suited to those aged 60 and over. You can use it to release equity from your home as needed. You can borrow from £10,000 up to a maximum of £600,000 if you live in England. For homes in Scotland, Wales and Northern Ireland, the maximum you can borrow is capped at £250,000.
The amount you’ll be eligible for is based on your age at the time of the application and is subject to a home valuation. The maximum LTV you can borrow from your home equity increases with age.
Instead of being paid an advance on your home equity once, as a one-off transaction, you can specify a lower amount, leaving some of your funds available on reserve to withdraw in the future at a time you choose.
The advantage of drawdown lifetime mortgages is that you only pay interest on the funds you release, rather than on the total approved loan, helping you save on interest charges.
The interest rate payable from the outset is only applicable to funds that have been released. The interest rates charged on future funds will be based on revised interest rates, which may be higher, lower or remain the same.
The Just Lite Plan
Just Lite is a lifetime mortgage that pays a lump sum once. There’s no reserve facility for withdrawing funds at a later date. Once the initial funds are released through a Just Lite plan, further lending options will be available only after six months from the date your funds are released, though this is not guaranteed.
The drawdown plan would be more suited if you need the guarantee of future borrowing. To be eligible for the Just Lite plan, the minimum age is 60 years old, and the minimum Just Lite will accept for a home valuation is £70,000. The minimum you can withdraw through the Just Lite plan is £10,000.
Just Lump Sum Plus
The Just Lump Sum Plus plan allows a higher loan-to-value but may result in higher interest rates. Additionally, this plan can be tailored to provide an Enhanced Lifetime Mortgage to eligible customers with existing health conditions expected to shorten their life expectancy.
By considering the current health and lifestyle of homeowners applying for equity release, it may be possible to obtain a higher advance at a more competitive interest rate.
As with all other Just plans, the minimum age is 60, and a minimum home valuation of £70,000 applies.
Points of Note For Just Equity Release Products
- While equity release is open to those over 55 years of age, with Just equity release, there is a higher minimum age of 60 years of age
- Your home needs to be mortgage-free. If not, the funds released will need to be used to become mortgage-free.
- Your home will need to be of standard construction materials
- The minimum borrowing amount is £10,000
- All Just retirement equity release plans offer a no-negative-equity guarantee.
- The interest roll-up is applied annually rather than monthly. This can make a lifetime mortgage cost less over the long term, depending on the rate offered.
- On all plans, you remain the homeowner and have the guarantee you can stay in the property for the rest of your life or until you (or both people on a joint loan plan) go into a long-term care home.
- One can repay up to 10% of the initial loan amount per calendar year. This is not required, but if you’d rather have an opportunity to repay some of the interest rolling up on your loan, you can repay up to 10% per year, but the amount you owe cannot drop below £10,000.
- For joint policies, there is a waiver of the early repayment charge if the surviving partner chooses to sell the property or move into long-term care within 3 years of their partner’s death or move into a long-term care home.
- Lifetime mortgages provided by Just can be transferred, provided the new property meets the lending criteria.
Find out how much you could borrow with Just Retirement Equity Release
You can use the Just Equity Release Calculator to get an indication of how much you may be able to borrow. The figures given are only indicative, though.
While the Just retirement equity release products are only suitable for those over 60 years of age, 1st UK works with lenders who are members of the Equity Release Council and can approve lifetime mortgages from the age of 55 years old.
For impartial, non-obligatory, and free advice on equity release, please contact our advisors today.
If equity release is suitable, we’ll provide you with a whole-of-market comparison of leading lenders, including Just, to help you decide on the best option for you and your family.
Just Equity Release Contact Details:
Just, Enterprise House, Bancroft Road, Reigate RH2 7RP.
Telephone: +44 173 723 3288
FCA Reference Number: 232595
Companies Number: 05017193
Please note that the Just logo is a trademark of The Just Group plc, with which we have no direct affiliation. The equity release firms we work with provide quotes from many providers. The Prudential Regulation Authority has a relationship with The Just Group plc.
