JUST
Just

Just

Just believes everyone deserves a fair, secure and fulfilling retirement.

As a leading provider of lifetime mortgages1, Just has helped tens of thousands of customers release over £3.5billion.  

As a specialist provider of financial solutions for those approaching and in retirement, Just wants to help you help your clients make the most of their property by providing products and award-winning service tailored to meet their individual needs.
 

Proc Fees

Product Gross        Min Net          Min
All Products 2%* £600 2% £600


 **Subject to a minimum further advance of £3,000

Overview

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*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.

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Just’s Drawdown Lifetime Mortgage features include:

  • Drawdown from as little as £10,000 initially and £2,000 for each subsequent drawdown (up to the level of the facility). 
  • Just’s latest loan-to-value (LTV) rates.
  • Minimum property value £70,000.
  • Minimum age 60.
  • Commission paid on drawdown, once the overall advances exceed £30,000.
  • Minimum commission of £600 per case.

Just’s Lump Sum Lite Lifetime Mortgage is designed to help clients who want to release a one-off lump sum without the option to access a pre-agreed cash facility in the future. 

It usually allows clients to borrow a higher amount than the Drawdown Lifetime Mortgage, but normally at a higher interest rate.

  • Just’s latest loan-to-value (LTV) rates.
  • Minimum property value £70,000.
  • Minimum age 60.
  • Minimum loan amount of just £10,000.
  • Minimum commission of £600 per case.

Just’s Lump Sum Plus Lifetime Mortgage offers two LTV tiers:

  • Standard LTV - giving clients quick and easy access to a larger lump sum than would be available through their Drawdown Lifetime Mortgage, but usually at a higher interest rate. 
  • Enhanced LTV - using their expert underwriting capability to give clients the potential to borrow an even higher amount based on their medical and lifestyle conditions.

It is designed to help clients who want access to the maximum possible share of the money locked up in their home. Features include:

  • Just’s latest loan-to-value (LTV) rates.
  • Minimum property value £70,000.
  • Minimum age 60.
  • Minimum loan amount of just £10,000.
  • Minimum commission of £600 per case.