Product update (Rates and lending criteria)

What's changed (Effective from 11 November 2026)

  • Reduced interest rates (MER) across all loan to value (LTV) series 
  • LTV increases on J4 series
  • LTV increases and decreases on J2.5 and J3 series
  • Added Joint Life availability to J3 series
  • Reduced interest rates and increased access to higher LTVs through medical underwriting

Impacted areas

  • Interest rates
  • No change to interest servicing mortgage (ISM) discounts
  • LTVs 
  • No changes to lending criteria

Important notes

  1. These changes are effective from Wednesday 11 November 2026. All new quotes from this date will be on the new terms.
  2. For KFIs generated on or before Tuesday 10 November 2026, we'll need to receive the applications before 5pm on Tuesday 24 November 2026. Applications received after this time will be on the new terms.

Latest updates

We decreased interest rates (MER) across all LTV series:

J1

Cashback Set-up fee Minimum advance Age range Interest rate (MER) Interest rate (AER)
0% £0 £10,000 55-80 7.56% 7.83%

J2

Cashback Set-up fee Minimum advance Age range Interest rate (MER) Interest rate (AER)
0% £0 £10,000 55-80 7.75% 8.03%

J2.5

Cashback Set-up fee Minimum advance Age range Interest rate (MER) Interest rate (AER)
0% £0 £10,000 55-85 7.95% 8.25%

J3

Cashback Set-up fee Minimum advance Age range Interest rate (MER) Interest rate (AER)
0% £0 £10,000 55-85 8.07% 8.38%

J4

Cashback Set-up fee Minimum advance Age range Interest rate (MER) Interest rate (AER)
0% £0 £10,000 55-85 8.41% 8.74%

We’ve not made any changes to the interest servicing discounts but here’s a reminder of what’s available:

Product Interest servicing mortgage discount
J1 5 bps
J2 9 bps
J2.5 20 bps
J3 30 bps
J4 35 bps
  • We've added Joint Life availability to J3 series
  • LTV increases on J4 series
  • LTV increases and decreases on J2.5 and J3 series
JUST FOR YOU LIFETIME MORTGAGE
Age

J1

SL & JL

J2

SL & JL

J2.5

SL & JL

J3

SL & JL

J4

SL
55 10.00% 12.00% 15.80% 19.60% 22.10%
56 10.60% 12.80% 16.50% 20.20% 22.80%
57 11.30% 13.70% 17.20% 20.70% 23.30%
58 12.00% 14.60% 18.00% 21.40% 24.00%
59 12.60% 15.40% 18.70% 22.10% 24.80%
60 13.30% 16.30% 19.60% 22.90% 25.60%
61 14.00% 17.20% 20.40% 23.50% 26.20%
62 14.60% 18.00% 21.20% 24.40% 26.80%
63 15.30% 18.90% 22.10% 25.30% 27.60%
64 16.00% 19.80% 23.00% 26.10% 28.30%
65 16.60% 20.60% 23.80% 27.00% 29.50%
66 17.30% 21.50% 25.80% 27.90% 30.20%
67 18.00% 22.40% 26.90% 29.10% 31.40%
68 18.60% 23.20% 28.00% 30.20% 32.40%
69 19.30% 24.10% 29.00% 31.40% 33.50%
70 20.00% 25.00% 30.00% 32.50% 34.50%
71 21.00% 26.20% 31.00% 34.00% 36.20%
72 22.00% 27.40% 32.00% 35.30% 37.30%
73 22.50% 28.60% 32.70% 36.80% 39.00%
74 23.00% 29.70% 33.90% 38.10% 40.40%
75 24.00% 31.00% 35.40% 39.80% 42.00%
76 25.00% 32.00% 36.70% 41.30% 43.70%
77 26.00% 33.10% 38.00% 43.00% 45.40%
78 27.00% 34.00% 39.30% 44.60% 46.00%
79 28.00% 34.60% 40.00% 45.50% 46.50%
80 29.00% 35.50% 40.80% 46.00% 47.00%
81 N/A N/A 41.50% 46.50% 47.50%
82 N/A N/A 42.00% 47.00% 48.00%
83 N/A N/A 42.50% 47.50% 48.50%
84 N/A N/A 43.00% 48.00% 49.00%
85 N/A N/A 43.50% 48.50% 49.50%

No changes to our lending criteria.

Please see our Lending criteria guide for property and lending criteria applicable to our lifetime mortgage.

Need help?

If you have any questions or need more information, contact us here.

For instant KFIs across the Just For You Lifetime Mortgage, log in to our adviser portal.

Find out more about the Just For You Lifetime Mortgage.

This page always reflects the latest rates and lending criteria for Just For You Lifetime Mortgage from the stated effective date.

Last updated on 9 November 2026