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

Just For You Lifetime Mortgage

Personalising solutions is easier with more options and flexibility.

Personalisation and Better Deals

We've added medical underwriting across our Just For You Lifetime Mortgage range so it's easier for you to deliver solutions unique to every client.

Get your clients a better deal

Six in 10 people could borrow more or get a better interest rate with medical underwriting.

Manage borrowing effectively

Find out how the flexibility of the Just For You Lifetime Mortgage could help clients manage their borrowing effectively.

Energy Performance Discount Feature

Our energy performance discount is expanded to homes with EPC rating of C or above and available across the entire Just For You Lifetime Mortgage range.


See if this option could help clients access more funds, or reduce the impact of borrowing.

New to Lifetime Mortgages?

If you want to know more about the lifetime mortgage opportunity.

Lifetime Mortgage decisions made easier

Check if a lifetime mortgage is an option for your client, and which benefits might be the most appropriate.

Property: One asset, many uses

Unlocking property wealth can help clients in later life meet a variety of needs.

The Equity Release Council

Promoting safe equity release schemes and safeguarding the interests of homeowners.