We are Just

We’re one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement.

We have a strong social purpose - a beacon within financial services. We provide products and services that help our customers achieve a better later life and believe that financial intermediaries are best placed to help people with the choices they need to make to achieve this.

There’s now more choice than ever for clients who are approaching retirement or already retired. We recognise that as a financial intermediary, you are the architect of your clients’ retirement plans. As the expert, you’re able to consider alternatives and recommend a product mix that provides secure and flexible income to last a lifetime. As a retirement specialist provider, we'll support you with dependable, first-class service.


To arrange a quote

Lifetime Mortgages

Guaranteed Income for Life (provided by a Pension Annuity or
Secure Lifetime Income)

  • Get in touch with your dedicated Just contact

Care Plans

  • Get in touch with your dedicated Just contact

HUB Referral Solutions


Outstanding service

We’re committed to supporting financial intermediaries, and we’re consistently recognised for providing excellent service. We won: 

  • An 18th consecutive 'five-star' accolade in the 'Pension & Protection Providers' category at the 2022 Financial Adviser Service Awards.
  • A 13th 'five-star' accolade in the ‘Mortgage Providers category at the 2022 Financial Adviser Service Awards.
  • The Best Provider for Adviser Support, Training & Development and our Chirag Upadhyay won the Best Underwriter at the 2023 Mortgage Solutions Equity Release Awards.

To find out more, please click here.  

Customer vulnerability

Customer vulnerability continues to be a priority for the FCA. It's a focus for the new Consumer Duty which calls for the review of policies and processes that support clients in vulnerable circumstances. Our efforts will centre on finding consistent ways to ensure outcomes for clients in vulnerable circumstances are as good as they would be for any other client.

Justadviser.com hosts a range of content designed to help financial intermediaries raise staff awareness and understanding of the topic, hold open and sensitive conversations, and develop appropriate bespoke vulnerability policies.

This includes the popular online training module, Consumer Vulnerability in Later Life
, developed with the Society of Later Life Advisers (SOLLA). The module has received over  and is free to use, offers a certificate for successful completion and 60 minutes CPD.

Now into their third year, the Just Group Vulnerable Customer Awards showcase the outstanding efforts that our financial services industry goes to to support their clients in vulnerable circumstances. Visit justadviser.com to find out more about the awards and see how last years’ winners got our judges attention.

To find out more, please click here.

Helping your clients release tax-free cash from their homes

As more people live longer and want to make the most of their retirement years, their pension savings may have to stretch further than they had initially planned.  Whether they need to find additional sources of funds or boost their income, lifetime mortgages could be the solution they’re looking for. 

The Just For You Lifetime Mortgage offers flexibility and a variety of options to help you design personalised solutions for each client, a need highlighted by the FCA’s review of equity release sales and advice process.

Solutions as unique as your clients

With Just For You Lifetime Mortgage medical underwriting, we estimate six in ten people could borrow more, or get a better interest rate to reduce their borrowing costs.

By combining it with a flexible choice of options, you can now design personalised, tailored solutions for every client - as unique as they are.

Learn more here.

Manage borrowing effectively

  • Reduce costs of borrowing - Medical underwriting could help your client's borrow more or achieve a better interest rate to reduce their costs of borrowing. 
  • Servicing interest - Clients with surplus income every month could benefit from interest servicing and a potential reduction to the roll-up interest rate.
  • Using cashback to borrow less - Our cashback can help clients reduce the loan amount needed (and so the LTV), which could mean a lower interest rate.
Learn more here.

Early repayment charge options

The Just For You Lifetime Mortgage now offers a choice of Fixed or Variable Early Repayment Charge (ERC), so you can recommend the most suitable option for each client's needs.

Those choosing not to service monthly interest can pay up to 10% of each advance in every 12 month policy period without incurring an ERC.
Read our ERC guide for more information.

Maximising funds available

Clients wanting to access as much money as possible may be interested in our flexible cashback options, paid in addition to the loan to value (LTV).

Alternatively, cashback can be used to reduce the size of loan required.

Learn more here.

More information and help:

Just is a trading name of Just Retirement Limited, Just Retirement Money Limited and Partnership Life Assurance Company Limited which are subsidiary companies of Just Group plc. For more details about the Just Group please visit: www.justgroupplc.co.uk