Just equity release: what it offers

Just equity release is offered through the Just For You lifetime mortgage, arranged through a financial adviser. Just publishes age, property and loan-amount criteria, including a separate maximum loan for homes in Northern Ireland, and says its lifetime mortgage includes a no negative equity guarantee and the protections of the Equity Release Council's standards.

Later Life Finance Guide is not affiliated with Just and does not recommend any lender or provider. This page summarises publicly available information; products and criteria change, so check the current details with the provider or an FCA-regulated adviser.

What Just equity release offers

Just's equity release product is the Just For You lifetime mortgage.

Just Retirement Limited has provided equity release since 2005. Just Retirement Money Limited (JRML) was set up in 2016 to take on all lifetime mortgage lending conducted under the Just Retirement brand.

Just's lending criteria include an option to make monthly payments, which affects the minimum amount that can be borrowed (see eligibility, below). For how a lifetime mortgage compares with other later-life options, see our equity release guide.

How the amount owed grows

Where no monthly payments are made, interest is added to the loan and then charged on itself, so the amount owed grows over time and can grow quickly. That reduces what is left in the estate, and money released can affect means-tested benefits. Our guide to equity release costs shows how compounding builds up.

Published eligibility criteria for a Just lifetime mortgage

Just's published lending criteria set a minimum age of 55, which applies to the youngest applicant, and a maximum age of 85 at application, which applies to the oldest.

The minimum UK property value is £70,000.

The minimum initial advance is £10,000 where no monthly payments are made, or £20,000 where the customer chooses to make monthly payments.

A maximum cash facility, including the initial advance, of £1,000,000 applies in England, Wales and Scotland, and £500,000 in Northern Ireland.

Medical underwriting: what Just announced in 2021

In 2021 Just Group announced that it had introduced medical underwriting across its lifetime mortgage range, meaning a customer's health and lifestyle information could be taken into account as part of the assessment.

Just said this type of assessment, sometimes described in the market as "enhanced" underwriting, could potentially increase the amount someone is eligible to borrow or improve the interest rate. Whether it makes a difference depends on an individual's health and lifestyle information and the assessment at the time; it is not a guaranteed outcome. It also means disclosing health information, and a larger loan means more interest building up over time. An adviser can confirm how Just's current underwriting applies to a specific application.

Features and protections on Just plans

Just says its lifetime mortgage includes a no negative equity guarantee: provided the terms and conditions have been kept, when the property is sold after death or a move into long-term care, you or your beneficiaries will not have to repay more than the sale proceeds, even if this is less than the amount owed. Our explanation of the no negative equity guarantee covers how this works across the market.

Just is listed in the Equity Release Council member directory, and customers are provided with the protections set out in the Council's standards.

Both Just Retirement Limited and Just Retirement Money Limited hold Financial Conduct Authority register entries.

How to apply for a Just lifetime mortgage

Just publishes its lending criteria for financial advisers, and its lifetime mortgage is arranged through an adviser.

In practice, this means speaking to an FCA-regulated adviser, who checks eligibility against Just's published criteria, explains how its underwriting might apply, and arranges the illustration and application. Our guide to finding a regulated equity release adviser explains what to check first.

Questions to ask an adviser about a Just plan

If a Just plan is being discussed, two questions follow from its published criteria:

• Does Just's current underwriting take health and lifestyle into account, and how would my answers change my illustration?
• If my home is in Northern Ireland, how does the lower maximum cash facility affect what I could release?

Our list of equity release adviser questions to ask first covers the wider questions that apply to any lifetime mortgage.

Next step

Our equity release explained guide covers the wider process, and our providers hub lists UK providers A–Z. Equity release requires advice from an FCA-regulated adviser, who can compare it with other options for your circumstances.

Later Life Finance Guide is not affiliated with Just and does not recommend any lender or provider. This page summarises publicly available information; products and criteria change, so check the current details with the provider or an FCA-regulated adviser. Product details were checked on 26 September 2026.