Lifetime Mortgages

We know your clients choose lifetime mortgages because they have important lifestyle choices or challenges that they want help to finance. The Just For You Lifetime Mortgage means you can deliver a tailored solution for each of them; a lifetime mortgage as unique as they are.

You could also get your clients a better deal by answering some health and lifestyle questions. Six in 10 people could borrow more, or get a better interest rate to reduce their borrowing costs with the medically underwritten Just For You Lifetime Mortgage*. And you'll be responding to the FCA's challenge to demonstrate improved personalisation and help achieve better client outcomes.

Lifetime mortgage clients’ needs can be placed in four broad categories:

• Aspirational – using the wealth released from their property to make later life more comfortable such as funding their dream holidays, home improvements or other projects.
• Future planning – leaving a ‘living inheritance’ to their loved ones or planning their estate.
• Refinancing – clearing existing mortgage or other debts. Although lifetime mortgages can be used to repay existing debts, this may end up costing the clients more in the long term.
• Family financial support – Easing the financial burden of those in the sandwich generation.

The flexibility and many options of the Just For You Lifetime Mortgage allow you to tailor the right solutions to match your clients' needs.

Whatever their requirements, this proposition could be the solution they’re looking for.

To find out more, take a look at the information below.

*Just Group analysis from proprietary database of circa 2 million person years