Just Equity Release Review

Are You Looking To Unlock Capital With Just Equity Release?
Contributors: Nicola Date, Katherine Read. Edited by Rachel Wait & Reviewed by Francis Hui
Are You Thinking of a Just Equity Release Plan in 2022? Understand the Pros, Cons, Interest Rates & Scheme Offers. We’ve Got the Full Scoop Right Here.

Before You Start Reading…

How Much Can You Release? 👇


Equity Release Calculator

Value of Your Home?


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Is Just equity release the best?

I think you’ll agree with me when I say:

It’s REALLY hard to choose the best equity release provider with all the choices available.

Or is it?

The companies we profile, are the best in the business to help you unlock the cash tied into your home.We’re here to help you:

  • Understand the services that Just offers.
  • Determine if they might be able to assist you and your family on your equity release journey.

Let’s find out NOW!

As experts in the equity release field (we’ve reviewed more than 250 schemes!), we’ve combed the market, researched all equity release service providers and narrowed it down to who’s on top.

Is Just the ideal equity release loan company to assist you and your family?


What’s Equity Release?

An equity release mortgage is, in a nutshell, a loan plus interest that is paid back to the lender when the homeowner passes away or goes into permanent care.

Who Are Just?

Established in 2004, Just is a specialist UK financial services group that offers products and services to assist clients in living a better later life.

The company believes that financial intermediaries are best positioned to assist people with the decisions they must make in order to achieve their goals.

What About the Just Equity Release Calculator?

Before you consider using the Just calculator, please take note.

Our providers can almost always match & BEAT any existing equity release quote that you find through Just.

So first use this calculator below & see how much you can release.

How Much Can You Release?

Use the Calculator Below 👇


Equity Release Calculator

Value of Your Home?


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🔒 100% Safe & Fast

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Why Consider Just?

Just has achieved a 2 Star ‘Outstanding’ accreditation from Best Companies1, securing places in 5 of their Best Companies lists.

Other awards include:

  • Outstanding (2 Star Accredited) Company to Work For
  • The UK’s 100 Best Large Companies To Work For
  • Financial Services’ 30 Best Companies To Work For
  • London’s 75 Best Large Companies To Work For
  • The South East’s 100 Best Companies To Work For
  • Northern Ireland’s 10 Best Companies To Work For

Just Reviews & Ratings

How Did We Review Just Equity Release?

We reviewed Just by gathering all the latest information available about it.

This information was then thoroughly researched, vetted and then added to this review for your ease of reference.

Our review of Just is independent, and we are not affiliated with it.

Just Equity Release Complaints

If you’re dissatisfied with Just Equity Release and want to make a complaint, the greatest place to do so is on their website.

They are concerned about their clients and will route you to the appropriate department if possible.

The alternative option, if you choose to use a review site like Trustpilot or Feefo, is to provide an assessment.

Pros & Cons


  • Plans with monthly payment options, at a minimum of £25 per month, up to 100% of the interest.
  • 3 to 12 month payment holidays for repayment plans.
  • Access tax-free cash.
  • A huge amount of plan options.
  • Enhanced lifetime mortgage plans available for individuals and couples with ill-health.
  • Cashback Options.


  • The interest can accumulate quickly if it’s not repaid.
  • Equity release does reduce your inheritance.

Editor’s Rating: 4.72

Just’s Qualification Criteria

  • Minimum Amount of Equity Offered: £10,000, or £20,000 if you are making monthly payments
  • Maximum Amount of Equity Offered: £1,000,000 for properties in England, Scotland, and Wales and £250,000 for Northern Ireland
  • Minimum Age Limit: 55
  • Maximum Age Limit: 85
  • Property Minimum Value: £70,000
  • Location: England, Scotland, Wales, and Northern Island

Just Equity Release Scheme Offers

  • 3-Year No Early Repayment Charge
  • 5x LTV Tier Options
  • Cash Facility Option
  • Medical Enhancements

Just Lump Sum Equity Release Plans

Just’s Lump Sum Lifetime Mortage planscome with a free valuation and no application fees.

Interest rates start at 3.39%. Furthermore, there’s a cash facility option, 3-year no early repayment charge, and an up to 10% voluntary payment option.

Just Drawdown Equity Release Plans

The Just Drawdown Lifetime Mortgage plans come with the same features and starting interest rates of 3.39%. Furthermore, there’s 5x LTV Tier Options.

Just Enhanced Lifetime Mortgage Plan

If the youngest applicant has a history of poor health, the medical history might be considered when determining the terms of the lifelong mortgage.

This medically upgraded option comes with monthly payments as well.

The larger the possible lump amount, the worse the severity of the disease.

Again, Just’s underwriters will modify the interest rate appropriately.

Just For You Lifetime Mortgage Plans

When compared to other variants of the plan.

The Just For You Lifetime Mortgage – Interest Serviced option provides the most competitively priced equity release interest rate.

The Just For You – Interest Serviced Lifetime Mortgage is offered on a single or joint life basis.

As well as tenants in common.

The Just For You – Interest Serviced Lifetime Mortgage allows you to pick your repayment method over the interest rate.

The interest rate imposed by Just at the start of the plan will be determined by the level of monthly payments as a proportion of the loan amount.

Another element that will assist joint homeowners is the 3-year window of opportunity for penalty-free repayment if one spouse dies or moves into care.

In this case, the survivor gets three years to repay the equity release loan without incurring any early repayment penalties.

The Just For You Lifetime Mortgage provides a range of cashback packages and application costs ranging from £0 to £600.

Depending on age, loan-to-value, and choices chosen.

Just Equity Release Interest Rates & Schemes Compared

Are you looking for a specific equity release scheme?

These are some of the schemes offered or covered by Just.


Not what you’re looking for?

Have a look at all the equity release schemes available on the market, with our easy-to-use table or compare the equity release rates!

What Are Just’s Fees?

Just fees may include an application fee.

It may also offer you a free valuation; however, sometimes providers charge for this depending on your plan.

Learn More About Just

Just is one of the UK’s top suppliers of speciality financial services solutions.

With a specific focus on serving the requirements of those considering, nearing, or already in retirement.

Just’s main purpose is to help people achieve a better later live by providing financial advice, guidance, competitive products and services.

It also offers guaranteed income for life solutions, provided by individually underwritten annuities, and defined benefit de-risking solutions.

Its award-winning service and first-class products distinguish the group from other financial services companies in this sector.

Both intermediaries and clients understand its strategy, and it continues to gain traction in the sector service awards.

‘Just For You’, their lifetime mortgage plan gives you the chance to custom design your own equity release scheme.

For example, you could create a drawdown facility which will provide access to extra cash withdrawals in the future, if required.

Or benefit from one plan that can integrate multiple features which can be individually selected based on your requirements.

There are five loan-to-value tiers, each of which will determine the level of borrowing available and the interest rate charged.

FCA Details

FCA Address

Enterprise House

Bancroft Road



RH2 7RPR H 2 7 R P


Trading Names


  • Just
  • Just Retirement Limited


  • Abacus Annuities Ltd

FCA Permitted Services

  • Banking
  • Mortgage & Home Finance
  • Insurance
  • Pensions
  • Investments


  • Financial Conduct Authority (FAC) ¹
  • Financial Services Authority Now the Prudential Regulation Authority (PRA) ¹

Registration Numbers

  • FCA Ref Number: 232595
  • FCA Reg Number: 5017193

FCA Link

Just Contact Number

Got Questions

Is Just a Member of the Equity Release Council?

What Are Just's Interest Rates?

Who Owns Just Equity?

Just Jobs?

Where is Just Located?

Does Just Do Equity Release?

Is Just Equity Release Safe?


So here’s the scoop – our intention is to help you by finding the best Just equity release lifetime mortgage so that you can spend the money on something that you really want, rather than on a high tax bill.

Before You Go…

Use the FREE Calculator Below 👇


Equity Release Calculator

Value of Your Home?


Drag me

🔒 100% Safe & Fast

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Editorial Note: This content has been independently collected by the SovereignBoss team and is offered on a non-advised basis. SovereignBoss may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations. Learn more about our editorial guidelines.