We’re one of the UK’s leading providers of specialist financial services solutions, completely focused on meeting the needs of people thinking about, approaching, or in retirement.

We have a strong social purpose - a beacon within financial services. We provide products and services that help our customers achieve a better later life and believe that financial intermediaries are best placed to help people with the choices they need to make to achieve this.

There’s now more choice than ever for clients who are approaching retirement or already retired. We recognise that financial intermediaries are the architect of clients’ retirement plans. As the expert you’re able to consider alternatives and recommend a product mix that provides secure and flexible income to last a lifetime. As a retirement specialist provider, you can depend on us to support you with first-class service.

Proc Fees

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

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


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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.


Outstanding service

We’re committed to supporting financial intermediaries, and we’re consistently recognised for providing excellent service:

  • We were named Company of the Year at the 2021 Financial Adviser Service Awards.
  • We won a 17th consecutive 'five-star' accolade in the 'Pension & Protection Providers' category at the 2021 Financial Adviser Service Awards.
  • We won a 12th 'five-star' accolade in the ‘Mortgage Providers’ category at the 2021 Financial Adviser Service Awards.

To find out more, please click here

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.

Solutions as unique as your clients

With Just For You Lifetime Mortgage medical underwriting, six in 10 people could borrow more, or get a better interest rate to reduce their borrowing costs.

By combining it with a flexible choice of options, you can now design personalised, tailored solutions for every client - as unique as they are.

Learn more here.

Why not try our tools?

Indicative Lifetime Mortgage Calculator - show your clients the total amount they could release from their property.

Benefits of medical underwriting - use this interactive tool to see the difference that medical underwriting can make

Cash Facility Calculator - allows you to estimate the amount that your client could release from their property and the amount of any remaining cash facility.

Interest Serviced Calculator – help your clients decide whether it’s appropriate for them to make monthly payments. Our tools provide an indicative figure, and do not constitute an illustration.

Cashback calculator - see how your clients can use cashbacks to access more funds, or possibly reduce the cost of borrowing.

Ask your dedicated Just contact for more information here.


Product Literature

At a glance – Our lifetime mortgage product, at a glance.

Acceptable Properties Guide (Desktop Valuations) – Find out if your client's property meets our desktop requirements to apply for a lifetime mortgage.

Acceptable Properties Guide (Full Valuations) – Find out if your client's property meets our requirements to apply for a lifetime mortgage.

Who benefits from medical underwriting?  -  Test your knowledge by reading the client profiles below and selecting the client you think will benefit the most.

Lifetime Mortgage Medical Questionnaire – Only needed in conjunction with the lifetime mortgage quote request form.

Lifetime Mortgage Application form editable version – Apply for one of our lifetime mortgages. This version of the application form includes editable fields.

Just Adviser portal - Instant KFI generation, online applications and more, 24/7.

Lifetime Mortgage quote request form – Fill out this form for a lifetime mortgage quote from us.

Just is a trading name of Just Retirement Limited, Just Retirement Money Limited and Partnership Life Assurance Company Limited which are subsidiary companies of Just Group plc. For more details about the Just Group please visit: www.justgroupplc.co.uk.

The results are in!

We’re absolutely delighted to announce the winners of the Just Group 2022 Vulnerable Customer Awards. 
These nominated individuals and firms truly deserve recognition for their efforts in supporting vulnerable customers.

Find out who they are here