Product update (Rates and lending criteria)
What's changed (18 September 2026)
- Increased interest rates (MER) across all LTV series
- Reduced loan-to-values (LTVs) by 1% for all ages in the J3 and J4 series
- Reduced interest servicing mortgage (ISM) discounts of 10bps on the J3 and J4 series
Impacted areas
- Interest rates
- ISM discounts
- LTVs
- No changes to lending criteria
Important notes
- These changes were implemented on Friday 18 September 2026. All new quotes from this date will be on the new terms.
- For KFIs generated on or before Thursday 17 September 2026, we'll need to receive the applications before 5pm on Thursday 1 October 2026. Applications received after this time will be on the new terms.
Latest updates
We increased 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 | 7.59% | 7.86% |
J2
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-80 | 7.68% | 7.96% |
J2.5
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-85 | 7.85% | 8.14% |
J3
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-85 | 7.98% | 8.28% |
J4
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-85 | 8.28% | 8.60% |
We reduced ISM discounts of 10bps on the J3 and J4 series:
| Product | Interest servicing mortgage discount |
| J1 | 5 bps |
| J2 | 9 bps |
| J2.5 | 20 bps |
| J3 | 30 bps |
| J4 | 35 bps |
We reduced LTVs by 1% for all ages in the J3 and J4 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% | 14.00% | 18.00% | 19.70% |
| 56 | 10.60% | 12.80% | 15.00% | 18.80% | 20.50% |
| 57 | 11.30% | 13.70% | 16.00% | 19.90% | 21.40% |
| 58 | 12.00% | 14.60% | 17.00% | 20.60% | 22.10% |
| 59 | 12.60% | 15.40% | 18.00% | 21.50% | 23.00% |
| 60 | 13.30% | 16.30% | 20.70% | 22.40% | 23.90% |
| 61 | 14.00% | 17.20% | 22.30% | 23.30% | 24.80% |
| 62 | 14.60% | 18.00% | 23.20% | 24.20% | 25.70% |
| 63 | 15.30% | 18.90% | 24.20% | 25.20% | 26.70% |
| 64 | 16.00% | 19.80% | 25.20% | 26.20% | 27.70% |
| 65 | 16.60% | 20.60% | 26.20% | 27.20% | 28.80% |
| 66 | 17.30% | 21.50% | 27.20% | 28.30% | 29.90% |
| 67 | 18.00% | 22.40% | 27.70% | 29.40% | 30.90% |
| 68 | 18.60% | 23.20% | 28.70% | 30.50% | 32.00% |
| 69 | 19.30% | 24.10% | 29.70% | 31.70% | 33.20% |
| 70 | 20.00% | 25.00% | 31.00% | 33.00% | 34.50% |
| 71 | 21.00% | 26.20% | 32.20% | 34.30% | 35.80% |
| 72 | 22.00% | 27.40% | 33.40% | 35.80% | 37.30% |
| 73 | 22.50% | 28.60% | 34.60% | 37.20% | 38.70% |
| 74 | 23.00% | 29.70% | 35.70% | 38.70% | 40.30% |
| 75 | 24.00% | 31.00% | 37.00% | 39.50% | 41.80% |
| 76 | 25.00% | 32.00% | 38.00% | 40.30% | 43.50% |
| 77 | 26.00% | 33.10% | 39.10% | 41.10% | 44.00% |
| 78 | 27.00% | 34.00% | 40.00% | 41.90% | 44.50% |
| 79 | 28.00% | 34.60% | 40.60% | 42.70% | 45.00% |
| 80 | 29.00% | 35.50% | 41.50% | 43.50% | 45.50% |
| 81 | N/A | N/A | 41.50% | 44.00% | 46.00% |
| 82 | N/A | N/A | 41.50% | 44.00% | 46.00% |
| 83 | N/A | N/A | 41.50% | 44.00% | 46.00% |
| 84 | N/A | N/A | 41.50% | 44.00% | 46.00% |
| 85 | N/A | N/A | 41.50% | 44.00% | 46.00% |
No changes to our lending criteria.
Please see our Lending criteria guide for property and lending criteria applicable to our lifetime mortgage.
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This page always reflects the latest rates and lending criteria for Just For You Lifetime Mortgage.
Last updated on 18 September 2026