Product update (Rates and lending criteria)
What's changed (Effective from: 14 October 2026)
- Increased interest rates (MER) across all LTV series
- Removed joint life availability from the loan to values (LTVs) in our J3 series
Impacted areas
- Interest rates
- No change to ISM discounts
- LTVs - Joint life availability
- No changes to lending criteria
Important notes
- These changes are effective from Wednesday 14 October 2026. All new quotes from this date will be on the new terms.
- For KFIs generated on or before Tuesday 13 October 2026, we'll need to receive the applications before 5pm on Tuesday 27 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 | 7.76% | 8.04% |
J2
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-80 | 7.85% | 8.14% |
J2.5
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-85 | 8.02% | 8.32% |
J3
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-85 | 8.15% | 8.46% |
J4
| Cashback | Set-up fee | Minimum advance | Age range | Interest rate (MER) | Interest rate (AER) |
| 0% | £0 | £10,000 | 55-85 | 8.45% | 8.79% |
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 removed joint life availability from our J3 series:
| JUST FOR YOU LIFETIME MORTGAGE | |||||
| Age |
J1 SL & JL |
J2 SL & JL |
J2.5 SL & JL |
J3 SL |
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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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 12 October 2026