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.

Product	To arrange a quote
Lifetime Mortgages	Get instant quotes and more with Just Adviser portal Get in touch with your dedicated Just contact Call: 0345 302 2287  Email: [email protected]
Guaranteed Income for Life (provided by a Pension Annuity or Secure Lifetime Income)	Get in touch with your dedicated Just contact Call: 0345 302 2287  Email: [email protected]
Care Plans	Get in touch with your dedicated Just contact Call: 0333 043 7040  Email: [email protected]
HUB Referral Solutions	Call: 01737 233412 Ready to Refer

 

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.

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:

• Contact your usual Just account manager  or visit JustAdviser.com.
• Indicative Lifetime Mortgage Calculator - show your clients the total amount they could release from their property.
• Cash Facility Calculator - allows you to estimate the amount that your client could release from their property and the amount of any remaining cash facility.
• Interest Serviced Calculator – help your clients decide whether it’s appropriate for them to make monthly payments. Our tools provide an indicative figure, and do not constitute an illustration.