Get your clients a better deal

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.

We estimate six in 10* clients could qualify for a better outcome with medical underwriting. That's because it enables you to offer them a lifetime mortgage solution that's personalised to them, their health and circumstances.

If your client has a medical condition or lifestyle that impacts their health, their life expectancy could be less than the average for their age, so they may be able to borrow more, or get a lower interest rate.

Our underwriting questions are aligned to the other questions in your fact find. We've made them as easy to answer as possible and you don't need to be a medical specialist to answer them.

By providing your client's health and lifestyle information, they could qualify for enhanced terms and it can help you respond to the FCA's challenge to demonstrate improved personalisation of advice.

Learn more about the benefits of medical underwriting.

* Just Group analysis from proprietary database c. 2m years

J6 LTV series

Clients can potentially release more funds by opting for cashback. By using this feature with our J6 LTV series, they’re able to access one of the highest LTVs in the market without offering health and lifestyle information.

However, we’ve now added the option of medical underwriting to our J6 series which could allow clients to borrow even more, or get a better interest rate to reduce their borrowing costs.

To find out more about our J6 LTV series read Frances Knights story to see how the J6 series with cashback option allows her to get a higher LTV.