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 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 find out more about our outstanding service, please click here.  

To arrange a quote or refer:

• Get instant quotes and more with Just Adviser portal
• Get in touch with your dedicated Just contact
  • Meet the team
  • Call: 0345 302 2287
  • Email: [email protected]   

Customer vulnerability continues to be a priority for the FCA. It's a focus for the Consumer Duty which calls for the ongoing review of policies and processes that support clients in vulnerable circumstances. Learn more. JustAdviser.com offers resources to help financial intermediaries enhance staff awareness and understanding of consumer vulnerability. This includes the free Consumer Vulnerability in Later Life online training, developed by Just and SOLLA. The 60-minute training offers a certificate upon successful completion.
 

Our Lifetime Mortgage: 

Helping your clients release money 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.

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

Learn more here or ask your dedicated Just contact for more information here.

Why not try our tools?

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 clients 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.
 

Quotes and applications

Just Adviser portal - Instant KFI generation, online applications and more, 24/7.
 

Product Literature

At a glance – Check out product details, options and loan to value for your LTM clients.

Acceptable Properties Guide – Find out if your client's property meets our requirements to apply for a lifetime mortgage.

Lifetime Mortgage Application form editable version – Apply for one of our lifetime mortgages. This version of the application form includes editable fields. 

Helping you through - a client-facing guide to show how we support your clients when dealing with the estate of a deceased customer.




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.