Just Equity Release
Just (formerly Just Retirement, part of the Just Group / HUB Financial Solutions) is one of the UK's leading equity release providers and the market leader in enhanced lifetime mortgages - plans that release more money for applicants with qualifying health conditions.
Independent introduction serviceAccess to specialist lendersNo obligation
Get Indicative TermsGet indicative terms - free, no obligation
Doulton Money Limited · No obligation enquiry
What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
Important: Equity release is a long-term commitment and will reduce the value of your estate. It may affect entitlement to means-tested benefits. Independent financial and legal advice is required. The specialist brokers we work with source plans from Equity Release Council approved lenders. Your home may be repossessed if you do not maintain required payments on a secured loan.
About Just Equity Release
If you have a health condition or lifestyle factors, Just may release significantly more than a standard plan from any other provider.
The options available
Just Enhanced Lifetime Mortgage
If you have a qualifying health condition - heart disease, cancer history, diabetes, COPD, stroke, Parkinson's, kidney disease - Just's enhanced plans may release 10-30% more than a standard lifetime mortgage at the same age.
Just Standard Lifetime Mortgage
Competitive standard plans for those without qualifying health conditions. Lump sum and drawdown options. ERC protections apply to all Just plans.
Just Lifestyle Assessment
Lifestyle factors - smoking history, high BMI - may also qualify for enhancement with Just even without a diagnosed medical condition.
Drawdown with Just
Just offers drawdown facility plans, allowing you to take an initial lump sum and draw further amounts as needed. Interest only on drawn amounts.
Optional Partial Repayments
Just plans allow voluntary partial repayments to manage interest roll-up. Specific annual repayment allowance varies by plan - confirmed in the Key Facts Illustration.
Specialist Introductions
Just may or may not be the best plan for you - their advantage is specifically in enhanced cases. For standard cases without qualifying conditions, other providers (Aviva, L&G, Canada Life) may offer lower rates or better drawdown terms. An equity release specialist can compare them.
How It Works
Health assessment
The specialist adviser takes a confidential health questionnaire. This determines whether an enhanced plan is available and how much additional money Just may release.
Enhanced vs standard comparison
The specialist compares Just's enhanced quote against standard plans from Aviva, L&G, Canada Life, and others. The enhancement from Just is presented against the standard market.
Key Facts Illustration
Just's illustration presented with their enhanced amount clearly shown.
Medical evidence (if required)
Just may request a GP report for certain conditions. The specialist advisers we introduce can advise on this and coordinate it alongside the application.
Speak to our later life lending specialists
Call 0204 6211776 · Introductions to later life lending specialists
Frequently asked questions
Who is "Just" - is this the same as Just Retirement?
Yes - Just Retirement rebranded to Just in 2018. The business also trades under HUB Financial Solutions for some distribution arrangements. They are part of the Just Group plc, a specialist financial services group focused on retirement income products including equity release and annuities.
What conditions qualify for a Just enhanced plan?
Just considers a wide range of conditions including: heart attacks, angina, heart failure, atrial fibrillation, stroke or TIA, cancer (current or in remission - type and stage specific), type 1 and type 2 diabetes, COPD, chronic kidney disease, Parkinson's disease, multiple sclerosis, liver cirrhosis, and many others. Smoking history and BMI are also assessed. The specialist adviser you are introduced to will guide you through the health questionnaire process.
How much more can Just release compared to a standard plan?
The enhancement varies by condition severity and age. For serious conditions with significant life expectancy impact, enhancements of 15-30% above the standard loan amount are common. For more moderate conditions (controlled type 2 diabetes, for example), the enhancement may be 5-15%. A specialist adviser can model the specific enhancement for your conditions.
Does Just also offer non-enhanced plans?
Yes - Just offers competitive standard lifetime mortgage plans for applicants without qualifying health conditions. Their standard rates and terms are competitive with the wider market. However, for standard cases their strongest advantage is the option of enhancement.
Is enhanced equity release safe?
Enhanced equity release plans from Just are regulated by the FCA and ERC-approved. All standard ERC protections apply - no negative equity guarantee, right to remain in your home, portability. The only difference from a standard plan is the higher loan amount justified by the health assessment.