Who we are

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.

What we do

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 is designed to allow an initial lump sum release with the added flexibility of a cash facility, which clients can use to release extra amounts in the future. Our lifetime mortgage also provides an option to pay some or all of the monthly interest amount, potentially benefiting from a reduction to the roll-up interest rate, helping to manage the overall cost of the loan amount. 

We’ve added medical underwriting across our Just For You Lifetime Mortgage range and estimate that six in ten people could borrow more or reduce their borrowing costs.

Useful links

Lifetime Mortgage Calculators – Useful links to Just calculators, designed to help advisers meet complex customer needs.

At a glance (171kb pdf) – Our lifetime mortgage product, at a glance.

Lending Criteria Guide (155kb)– Find out if your client's property meets our requirements to apply for a lifetime mortgage.

Lifetime Mortgage Application Form (900kb pdf) – Apply for one of our lifetime mortgages. This version of the application form includes editable fields.