Overview
Register 
Register to place business with Just:
*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.
Register
Outstanding service
We’re committed to supporting financial intermediaries, and we’re consistently recognised for providing excellent service. We achieved:
Financial Adviser Service Awards
- Named Company of the Year
- Awarded a 21st consecutive '5-star' accolade in the 'Pensions & Protection Provider' category
- Awarded a 16th '5-star' accolade in the 'Mortgage Provider' category
To find out more, please click here.
Customer vulnerability continues to be a priority for the FCA. It's a focus for the Consumer Duty which calls for the ongoing review of policies and processes that support clients in vulnerable circumstances. Learn more. JustAdviser.com offers resources to help financial intermediaries enhance staff awareness and understanding of consumer vulnerability. This includes the free Consumer Vulnerability in Later Life online training, developed by Just and SOLLA. The 60-minute training offers a certificate upon successful completion.
Our Lifetime Mortgage:
Helping your clients release tax-free cash from their homes
As more people live longer and want to make the most of their retirement years, their pension savings may have to stretch further than they had initially planned. Whether they need to find additional sources of funds or boost their income, lifetime mortgages could be the solution they’re looking for.
The Just For You Lifetime Mortgage offers flexibility and a variety of options to help you design personalised solutions for each client, a need highlighted by the FCA’s review of equity release sales and advice process.
Medical underwriting
With Just For You Lifetime Mortgage medical underwriting, we estimate six in ten people could borrow more, or get a better interest rate to reduce their borrowing costs.
With a flexible choice of options, you can now design personalised, tailored solutions for every client - as unique as they are. Learn more here.
Servicing interest
Clients with surplus income every month could benefit from servicing interest, which may help reduce the amount of interest that rolls up over time.
Learn more here.
Early repayment charge (ERC)
Those choosing not to service monthly interest can pay up to 10% of each advance in every 12 month policy period without incurring an ERC. Read our ERC guide for more information.
Free Energy Performance Certificate (EPC) check and discount
If your client has an EPC rating of A, B or C, they can take advantage of a 0.10% discount off of their standard interest rate for the duration of the loan.
Alternatively, if your client doesn't have an EPC rating or has an EPC rating of D or lower, they can receive a free EPC check.
Learn more about our Energy Performance Discount here.