We are Just

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.



To arrange a quote

Lifetime Mortgages

  • Get in touch with your Just relationship contact
  • Call: 0345 302 2287 (option 1)
  • Email: support@wearejust.co.uk   

Pension Annuity (Guaranteed Income for Life)

  • Get in touch with your Just relationship contact
  • Call: 0345 302 2287 (option 2)
  • Email: support@wearejust.co.uk

Care Plans

  • Get in touch with your Just relationship contact
  • Call: 0333 043 7040 (option 2)
  • Email: ltc@wearejust.co.uk

HUB Referral Solutions

  • Call: 01737 233412


Outstanding service

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

  • We were presented with the Outstanding Achievement award in recognition of fifteen consecutive '5-star' accolades in the 'Life & Pensions' category at the 2019 Financial Adviser Service Awards.
  • We were awarded an eleventh '5-star' accolade in the 'Mortgage Lenders & Packagers' category at the 2019 Financial Adviser Service Awards.

To find out more, please click here

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.


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


Lifetime Mortgages

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 is designed to allow an initial lump sum release with the added flexibility of a cash facility, which clients can use to release extra amounts in the future. Our lifetime mortgage also provides an option to pay some or all of the monthly interest amount at a reduced rate to the roll-up interest rate, helping to manage the overall cost of the loan amount.

Using our expert underwriting capability gives your clients the potential to borrow an even higher amount based on their medical and lifestyle conditions.

The quality and breadth of our lifetime mortgage proposition has been recognised with the following awards:

  • Mortgage Solutions Best Provider for Development & Support at the 2019 Equity Release Awards
  • Equity Release Lender of the Year at the 2019 MoneyAge Awards


Why not try our tools?

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

Medical Enhancement Calculator - gives your clients an indication of the maximum amount they could borrow when their health and lifestyle is taken into account.

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.