Just joint Lifetime Mortgage – Fixed Rate


  • Remove tax free equity from your home
  • No need to make regular monthly payments
  • Help a family member buy their own home with a modest mortgage
  • Are you still paying a mortgage? No problems
  • Stay living in your own property for as long as you like
  • Often used to help tax planning
  • Your Requirements

  • Please enter a number from 9000 to 20000000.
  • About You

  • Please enter a number from 25 to 90.
  • By clicking Submit and ticking the box above you agree to be contacted by email or telephone by an FCA authorised equity release advisor and confirm that you have read and agreed to our Terms & Conditions and our Privacy Policy

loan amount
Just joint Lifetime Mortgage
Lifetime Mortgage - Fixed Rate

Examples of retired small business owners likely to have equity to release

  • Marine aquaculture Woking
  • Manufacture of paper stationery Verwood
  • Manufacture of luggage, handbags and the like, saddlery and harness Telscombe
  • Manufacture of pesticides and other agrochemical products Dorking
  • Manufacture of soft furnishings Lutterworth
  • Other software publishing Wantage
  • Media representation services Leyland
  • Retail sale of clothing in specialised stores Gateshead
  • Manufacture of other ceramic products n e c Chester-le-Street
  • Manufacture of irradiation, electromedical and electrotherapeutic equipment Havant
  • Manufacture of prepared meals and dishes Morpeth
  • Manufacture of rubber tyres and tubes; retreading and rebuilding of rubber tyres Thame
  • Manufacture of soft drinks; production of mineral waters and other bottled waters Bridport
  • Manufacture of other men’s outerwear Sandiacre
  • Manufacture of ovens, furnaces and furnace burners Northwich
  • Wholesale of pharmaceutical goods Gillingham
  • Disinfecting and exterminating services Wincanton
  • Retail sale of beverages in specialised stores Ottery St Mary
  • Take-away food shops and mobile food stands Hungerford
  • Quarrying of ornamental and building stone, limestone, gypsum, chalk and slate Northampton
  • Packaging activities Coleshill

LV= Lump Sum+ Lifetime Mortgage

cash lump sum

amount you owe

Halifax Retirement Mortgage

  • Canada Life Lifetime Mortgages
  • L&G Legal & General Premier Flexible Lifetime Mortgage
  • Liverpool Victoria LV= Lump Sum Plus Lifetime Mortgage
  • Pure Retirement Equity Release
  • Lloyds Bank Equity Release Plans
  • Saga home reversion schemes
  • NatWest Lifetime Mortgage
  • Saga home reversion schemes
  • TSB Equity Release Plans
  • Royal Bank of Scotland Equity Release Plans
  • Bridgewater Equity Release
  • Pure Retirement Drawdown Plan
  • HSBC Equity Release
  • Age Partnership Equity Release Plans


It’s very regular to discover people seeking out home reversion plans, lumpsum lifetime mortgages or interest-only lifetime mortgages, however, Key Solutions like AA equity release are keen to see proof of your personal circumstances in the form of pension statements.

Equity Release LTV

equity release equity release

  • 60% lump sum lifetime mortgages The Exeter Equity Release
  • 55% loan to value (LTV) interest-only lifetime mortgages Paragon Personal Finance
  • 45% loan to value home reversion schemes Blemain
  • 25% LTV lifetime mortgage with flexible drawdown cash release Central Trust
  • 30% LTV lump sum lifetime mortgages Stafford Railway Building Society
  • 30% loan to value (LTV) monthly payment lifetime mortgage Newcastle Building Society


Downsides of Lifetime Mortgages

A monthly payment lifetime mortgage can reduce the inheritance for your family. Lumpsum lifetime mortgages may impact entitlements to state benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.

What percentage can be released?

The older you are and the more serious your illnesses you are the more tax-free money you can release.

Canada Life

The lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is an Owner Occupier Primary Residence.

home improvements
early repayment

Equity Release in the UK – What You Need To Know

In the UK equity release scheme, people who have mortgages, credit cards and other loans are eligible for such a benefit. However, so many people just think that they will not get to avail of the benefits because of the complicated process involved in getting equity release benefits.

As there is a high demand for such a scheme, there are plenty of schemes in the UK. If you are planning on applying for one, then you must have some understanding of the system. This way, you can avoid the complications and take advantage of the advantages offered to you by this scheme.

The main reason why you need to know about the UK equity release scheme is because of the complications it can create when it comes to applying for a scheme. For starters, in this scheme, you do not have to pay any upfront fee. Hence, it is very simple to obtain benefits without paying anything.

In the UK, the rules are basically the same as with other European countries. However, there are some slight differences in how the process of getting the benefits works. Here are some of the things you need to know.

If you want to get equity release benefits in the UK, you need to be at least eighteen years old and a permanent resident of the UK. The age limit is different in other countries, but this will suffice for most of the times.home reversion plans

When it comes to applying for the UK equity release scheme, there are two ways to apply for it. You can either do it online or call up the authorities and get your application processed.

The first step in applying for the equity release scheme is to contact a relevant official in the authorities and ask them about the benefits. However, it is important to note that you cannot get this information free of cost. This is because it is a government program and the government usually charges a small fee for the service.

The second way is to go to the Financial Services Authority (FSA). They are responsible for providing you with free advice on how to get equity release benefits from the UK. If you want to get the help, then you have to fill an online form.

The third way is to visit the FSA website and search through all the relevant information available there. Here, you will find that they are providing useful and easy to follow the guidance. This can save you time and you do not need to call any official in the authorities. In most cases, you will also get guidance by email.

With these three options, you have to know how to apply for the UK equity release. There are different requirements and conditions depending on the program. This means that you have to understand the details before applying.

It is important to note that even if you apply for the equity release program, you cannot get the benefits until you are sixty days from the date you applied for it. If you miss this deadline, you have to submit a new application before it can be approved.

It is very important to understand the eligibility requirements when applying for the UK equity release plan so that you can avoid any possible complications. As such, you need to read the details thoroughly.

When you have done the necessary preparation, you can easily apply for the equity release program and get the benefits that are offered to you. However, you should know where to start and know the eligibility requirements before you make your choice.

equity release schemes

financial advisers

is equity release safe

Pure Retirement - Classic Super Lite Plan

arrangement fees

Halifax Retirement Mortgage House

Providers for Equity Release

  • Sunlife Plans
  • Norwich Union
  • Key Solutions
  • Bridgewater
  • VitalityLife Equity Release


Areas where retirement mortgages are popular

  • Nailsworth
  • Mossley
  • Horwich
  • Ivybridge
  • Brandon
  • Wadebridge
  • Guisborough
  • Halifax
  • Launceston
  • Stamford
  • Bradninch
  • Withernsea
  • Billingham
  • Harrogate
  • Daventry

equity release product

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Just Group plc, formerly JRP Group plc and, before that, Just Retirement Group plc, is a British company specialising in retirement products and services headquartered in Reigate, Surrey. It is listed on the London Stock Exchange. Wikipedia
Stock price: JUST (LON) 55.40 GBX -0.65 (-1.16%)
Headquarters: United Kingdom
Revenue: 2.863 billion GBP (2018)
Key person: Chris Gibson-Smith
Founded: 2004
Subsidiaries: Corinthian Pension Consulting Limited, MORE
registered address: Just Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey, RH2 7RU.
For trustees or advisers who would like more information about our proposition, we’re here to help. Please call us on 01737 308 794 (9 am to 4 pm Monday to Friday).
Our registered address:
Vale House, Roebuck Close,
Bancroft Road,
telephone on: 01737 233288

Just group of Companies comprising: (Just Retirement Limited, Just Retirement Money Limited, HUB Financial Solutions Limited, Just Retirement Management Services Limited, Just Re 1 Limited, Partnership Home Loans Limited, Paying for Care Limited, Partnership Services Limited, Partnership Life Assurance Company Limited and Partnership Group Holdings Limited.)

The registered office for Just Group plc (reg. no. 08568957), Just Retirement group Holdings Limited (reg. no. 06930326), Just Retirement (Holdings) Limited (reg. no. 05078978), Just Retirement Limited (reg. no. 05017193), Just Retirement Money Limited (reg. no. 09415215), HUB Financial Solutions Limited (reg. no. 05125701) and Just Retirement Management Services Limited (Reg. no. 04682458) is Vale House, Roebuck Close, Bancroft Road, Reigate, Surrey RH2 7RU.

The registered office for Partnership Life Assurance Company Limited (reg. no. 05465261), Partnership Home Loans Limited (reg. no. 05108846) and Partnership Services Limited (reg. no. 05465380) is 5th Floor, 110 Bishopsgate, London, EC2N 4AY. Each company mentioned is registered in England and Wales and a member of the Just group of companies.

Just Retirement Limited and Partnership Life Assurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. HUB Financial Solutions Limited, Just Retirement Money Limited and Partnership Home Loans Limited are authorised and regulated by the Financial Conduct Authority.