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Find out if Just Retirement Equity Release is a good deal for you.

Just Retirement Equity Release
  • Release equity from your house with Just Retirement Equity Release
  • No need to make monthly payments
  • Use the money for a motorhome or new car
  • Still, have a mortgage? We can help with that
  • Continue to stay in your house for as long as you like

How much cash can I get?

You can release 65% of your home’s valuation. For example, if your house is worth £330000 you can borrow £214500.

  • Free No Obligation Quote

  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
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Customer Testimonials


William from London

I was told by my lawyer my inheritance tax bill would be around £250,000. I got a lifetime mortgage to give money to my son and daughter so they could buy bigger homes and we bought a house in the south of France for us all to use as a holiday home.


Sandra from Manchester

I got equity release to give money to my daughter to buy a house. Without the money I borrowed, her buying a home would have been impossible.


Ms G from Dover

I divorced my husband who was a violent alcoholic. I really feared losing my home as I sometimes look after my daughter’s children. Equity release enabled me to pay off my ex and stay secure in my home.


Mrs V from Hastings

I had spent my life running up credit cards and loans then getting interest-only mortgages to pay off the debt. I got to retirement age and still owed the bank £160,000. The term was about to expire, and I could not afford the payments on my pension anyway. I got £180,000 equity release and now I am more comfortable with no monthly repayments and I spent £20,000 on a new bathroom and kitchen. I now know I can stay in my home.


Mr Smith from Kendal

My financial advisor told me that I should get equity release and gift money to my 5 children now as it would save a massive amount of inheritance tax.


Mrs L from Nottingham

I had to pay a valuation fee and a solicitor’s fee, but no lender or broker fees for my lifetime mortgage. As I was divorcing my husband of 30 years the money went to him for his share of the house. I am happy now as I am secure, and I do not need to move from my home.


Mrs E from London

I was advised to get equity release from my East London home to minimise inheritance tax. My son and daughter used the money to pay down their mortgages. The interest rate on the equity release was so low it was close to their mortgage rate.


Mr G from Kent

I got an interest-only lifetime mortgage and gave my sons £100,000 each so they could put a deposit down on a home. My money made it possible for them to get a very good mortgage deal, especially one son who is not well paid.


Julia A

My mother has dementia. With my solicitor and my power of attorney, I got equity release on my mother’s house to pay for specialist modifications for her comfort.

  • Free No Obligation Quote

  • Please enter a number from 4000 to 20000000.
  • Leave blank if no mortgage outstanding
  • About You

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Homeowner in their 60s

Challenging to finance home titles include high service charges, properties without a kitchen or bathroom, properties where there are boundary disputes or where planning applications have not been applied for correctly, timber buildings and properties that has never been registered with the land registry.

West London Home

It is often found to find people looking for monthly payment equity release, lumpsum lifetime mortgages or home reversion plans, however, Sunlife Plans like Fortify Insurance Solutions are keen to see proof of your situation in the form of investment statements.

Equity Release LTV Percentages – just retirement reviews

  • 55% monthly payment lifetime mortgage AA equity release
  • 50% loan to value lumpsum lifetime mortgages Age Concern
  • 25% loan to value lump sum lifetime mortgages Masthaven
  • 40% loan to value monthly payment equity release Stepchange
  • 25% loan to value lumpsum Just Retirement Equity Release

Equity Release percentages of your current property value with a just lifetime mortgage

The more aged you are and the unhealthier you are the more tax-free cash you can release.

Over 60 Retirement Mortgages Reviews

Tough to mortgage home variants can include properties with land in addition to the domestic grounds up to a maximum property size of five acres, where the land is for normal domestic use, properties converted from modern commercial premises, properties without direct access to an adopted highway or which are accessed over an unmade road, properties with mobile phone masts which are not within influencing distance of the house and properties that have a private water supply provided a contract is in place with an approved maintenance company for regular testing and maintenance.

A just Equity release is common among small business owners like below

  • Wholesale of other fuels and related products Cheltenham
  • Urban planning and landscape architectural activities Ledbury
  • Support activities to performing arts Oldbury
  • Service activities incidental to water transportation Kingston-upon-Thames
  • Information technology consultancy activities Hadleigh
  • Investigation activities Keynsham
  • Funeral and related activities Steyning
  • Reproduction of sound recording Amesbury
  • Other service activities n e c Southwick
  • Activities of patent and copyright agents; other legal activities n e c Charlbury
  • Manufacture of ice cream Crook
  • Trade of electricity Bude-Stratton
  • Motion picture distribution activities Bridgnorth
  • Manufacture of engines and turbines, except aircraft, vehicle and cycle engines Morpeth
  • Pension funding Snodland
  • Manufacture of other plastic products Saffron Walden
  • Growing of spices, aromatic, drug and pharmaceutical crops Chilton
  • Mining of iron ores Finchley

Difficult to finance home variants can include eco houses and modern methods of construction, properties with spray foam insulation applied to the underside of the roof, steel frame/clad properties built before 1990, coach houses i.e. freehold properties with garages beneath and freehold flats (England, Wales, Northern Ireland).

Towns of the UK where equity release is routine

  • St Helens
  • Northampton
  • West Bedlington
  • Long Sutton
  • Prudhoe
  • Holsworthy
  • Helmsley
  • Somerton
  • Woburn
  • Ampthill
  • Worksop
  • Halesowen
  • Great Torrington
  • Middlesbrough
Canada Life - Lifestyle Lite

Hard to mortgage property variants can include properties in poor condition, properties where multiple third parties are living in an annexe, freehold houses and bungalows (England, Wales, Northern Ireland), crofted houses and properties with owned solar panels.

more 2 life lifetime mortgage

Some of the most popular loan to value percentage ratiosof Virgin Money lifetime mortgages for people over 55, Zurich mortgages for over 60s, Churchill mortgages over 70s, Coventry Building Society remortgages for people over 50 years old, Newcastle Building Society mortgages for over 50 year olds and National Counties Building Society equity release schemes for people over 70 are 50%, 55% and 65%.

Aviva lifetime mortgage with cashback

Some of the most common LTV percentages of LVE mortgages over 65, More 2 Life later life borrowing schemes over 55, One Family mortgages for 60 year olds, Yorkshire Building Society later life mortgages for over 70s, Principality Building Society lifetime mortgages for over 55s and Axa later life interest only mortgages over 70 are 45%, 60% and 70%.

Canada Life - Lifestyle Gold
  • Bridgewater Equity Release Plans
  • Just retirement equity release key features
  • Stonehaven Interest Only Lifetime Mortgage
  • More to Life Tailored Choice Plan
  • Hodge Lifetime Flexible Voluntary Repayment Plan
  • More to Life Tailored Choice Plan
  • Pure Retirement Equity Release Plans
  • Stonehaven Lifetime Mortgage
  • Nationwide Interest Only Lifetime Mortgage
  • Bridgewater Equity Release Schemes
  • More 2 Life Tailored Choice Plan
  • Pure Retirement Lifetime Mortgage
  • Stonehaven Lifetime Mortgage
  • Nationwide Equity Release Plans
  • Aviva Lifestyle Flexible Option
  • Bridgewater Equity Release Schemes
  • Just retirement equity release lifetime mortgages
  • Liverpool Victoria LV Equity Release
  • More to life Capital Choice Plan
  • TSB Equity Release
  • NatWest Lifetime Mortgage

Aviva Equity Release

Pure Retirement Drawdown Lifetime Mortgages
Equity Release Mortgage Under 55

Over 60 Retirement Mortgages Broker

Pitfalls of Equity Release Plans and Just Retirement Equity Release

Home reversion schemes can reduce your estate value. A monthly payment lifetime mortgage may impact the ability to claim benefits. You may need to pay a solicitor’s fee and some products expose you to changes in interest rates.

Just Equity Release Rates: A Comprehensive Guide

Equity release has gained popularity among homeowners over the age of 55 as a means to access the wealth tied up in their properties. Whether you’re considering equity release in your 50s, 60s, 70s, or beyond, understanding the nuances of equity release rates is crucial. In this comprehensive guide, we’ll explore the various age brackets, types of equity release products, and how interest rates impact your financial decisions.

Just Mortgages Over 55: A Pathway to Equity Release

Introduction to Mortgages Over 55

Mortgages over 55 act as a gateway to the world of equity release. These financial products are designed to allow homeowners aged 55 and above to access the value of their property without the need to sell.

Understanding Equity Release Rates at 55

For individuals in their mid-50s, equity release rates can be competitive. Lenders often offer attractive terms to entice borrowers who are considering releasing equity from their homes.

Just Mortgages Over 60: Tailored Solutions for Seniors

Exploring Mortgages Over 60

As homeowners reach their sixties, their financial needs and goals evolve. Mortgages over 60 offer tailored financial solutions for seniors, including various equity release options.

Analyzing Just Equity Release Rates Over 60

Interest rates for equity release products may vary for borrowers in their sixties. It’s essential to understand these rates as they play a significant role in your financial planning.

Just Mortgages Over 65: Enhancing Retirement Finances

Leveraging Just Equity Release Over 65

For many individuals, the age of 65 marks the beginning of retirement. Mortgages over 65 provide opportunities to enhance retirement finances, making equity release an appealing prospect.

The Impact of Age on Equity Release Rates Over 65

Interest rates for equity release can undergo slight changes for borrowers in their mid-sixties. It’s crucial to consider these rates as part of your overall financial strategy.

Just Mortgages Over 70: Navigating Later Life

Just Late-Life Mortgages Over 70

As homeowners advance into their seventies, they face distinct financial challenges. Mortgages over 70, including equity release options, can provide solutions to address these challenges.

Understanding Equity Release Rates Over 70

Interest rates for equity release may differ as borrowers enter their seventies. These rates are influenced by factors such as life expectancy and property value.

Just Mortgages Over 75: Unlocking Home Wealth in Later Years

The Role of Equity Release Over 75

For those over 75, equity release can serve as a valuable tool to unlock the wealth accumulated in their homes. It can facilitate a more comfortable retirement and help meet specific financial needs.

Examining Equity Release Rates Over 75

Interest rates for equity release may differ for individuals in their late seventies or older. These rates should be carefully considered when evaluating the suitability of equity release.

Just Retirement Remortgages: Restructuring Your Finances

Understanding Retirement Remortgages

Retirement remortgages are a financial strategy that allows individuals to refinance their existing mortgage or explore equity release options to better align with their retirement plans.

The Role of Interest Rates in Retirement Remortgages

Interest rates play a pivotal role in retirement remortgages. Borrowers should assess whether securing a lower interest rate or releasing equity aligns with their financial goals.

Just Pensioner Remortgage: Tailored Financial Solutions

The Concept of Pensioner Remortgage

Pensioner remortgage is designed to cater to the unique financial needs of retirees. It can encompass various options, including traditional remortgaging and equity release.

Evaluating Interest Rates in Pensioner Remortgages

Interest rates for pensioner remortgages can vary based on factors such as property value and the chosen financial product. Careful consideration of these rates is essential.

Just Lifetime Mortgage: Borrowing Against Your Home

Delving into Lifetime Mortgages

Lifetime mortgages are a popular form of equity release, allowing homeowners to borrow against their properties while retaining ownership. Interest rates are a critical aspect of these mortgages.

Unpacking Lifetime Mortgage Interest Rates

Interest rates for lifetime mortgages can vary depending on the lender and the specific product. Borrowers should thoroughly research and compare rates to find the most suitable option.

Just Release Equity: Accessing Your Home’s Value

The Essence of Releasing Equity

Releasing equity is the primary objective of equity release. It allows homeowners to access the wealth tied up in their homes, offering financial flexibility and opportunities.

Interest Rates in the Context of Equity Release

Interest rates are integral to the equity release process. They determine the cost of borrowing and the potential financial benefits, making them a crucial consideration for homeowners.

Just Equity Release: A Comprehensive Financial Strategy

The Holistic Approach of Equity Release

Equity release is more than just a financial product; it’s a comprehensive strategy that can transform retirement finances. Understanding the role of interest rates is pivotal in this strategy.

The Nuances of Equity Release Interest Rates

Interest rates in equity release can vary widely, and borrowers must comprehend the nuances of these rates to make informed decisions.

Just Rio Mortgage: A Unique Equity Release Option

Introducing Rio Mortgages

Retirement Interest-Only (Rio) mortgages represent a unique equity release option. They allow borrowers to pay only the interest during their lifetime, with the capital amount repaid later.

Rio Mortgage Interest Rates

Interest rates for Rio mortgages can differ from traditional lifetime mortgages. Borrowers should explore these rates when considering Rio mortgages as an equity release solution.

Factors Affecting Equity Release Rates

Property Value

The value of your property is a key determinant of equity release rates. Lenders often use loan-to-value (LTV) ratios, which are influenced by property appraisals, to calculate the rates.


Age is a significant factor in equity release rates. Younger borrowers may be offered more competitive rates, while rates may be slightly higher for older borrowers due to the expected longer loan term.

Loan Amount

The amount you wish to borrow through equity release can impact the interest rate. Larger loans may have different rate structures than smaller ones.

Lender Policies

Different lenders have varying policies and offerings when it comes to equity release rates. It’s essential to explore multiple lenders and their terms to find the most suitable option.

Economic Conditions

Economic factors, including base interest rates set by central banks, can influence equity release rates. These rates may be subject to change over time.

Expert Advice: Just ER

The Role of Financial Advisors

Given the complexities of equity release, seeking professional financial advice is paramount. Independent financial advisors can assess your individual circumstances and provide tailored guidance on equity release options and their associated rates.

Making Informed Decisions

Making informed decisions about equity release rates involves thoroughly understanding the terms and conditions, comparing offers from multiple lenders, and considering your long-term financial goals. This approach ensures that equity release aligns with your needs and aspirations.

Equity release rates are a fundamental aspect of the financial landscape for homeowners over 55, 60, 65, 70, and 75. These rates vary depending on factors such as property value, age, loan amount, lender policies, and economic conditions. To make the most informed decisions regarding equity release, it’s crucial to carefully assess the interest rates, seek professional advice, and align your choices with your long-term financial goals. Equity release can

Popular loan to value percentages of TSB retirement interest only mortgages over 75, Barclays mortgages over 65, Post Office pensioner mortgages over 60, Legal and General interest only mortgages for over 60s near London, Royal Bank of Scotland retirement interest only mortgages over 75 and Nationwide BS later life interest only mortgages over 60 are 50%, 60% and 70%.

UK Equity Release Providers

  • Key Retirement
  • Prudential
  • Just Retirement Equity Release
  • Lifetime Mortgage from L&G

The lender will want to know if the property is a Detached freehold house or a Leasehold flat with share of freehold and if the resident is a Private Tenant.

Some of the most common pensioner finance products include Lloyds Bank interest only mortgages for people over 60, Barclays retirement mortgages, NatWest interest only mortgages for over 60s, Legal and General retirement mortgages and Nationwide Building Society pensioner mortgages.

Does Just Retirement do retirement remortgages for over 60s?

Yes, a Just Retirement retirement remortgage for homeowners over 60 is 3.25% APRC fixed for life.

Does Just Retirement do a pensioner remortgage for retired homeowners over 60?

Yes, Just Retirement pensioner remortgages for the over 60s are 3.22% AER fixed for life.

Does Just Retirement offer later life remortgages for over 60s?

Yes, a Just Retirement later life remortgage for people over 60 is 3.64% APRC variable.

Does Just Retirement do a best remortgage for retired over 60?

Yes, Just Retirement best remortgages for retired for the over 60s are 3.25% AER variable.

Does Just Retirement do remortgaging options for the over 60s?

Yes, a Just Retirement remortgaging option for pensioners over 60 is 3.9% APR variable.

Does Just Retirement do mortgage calculators for over 60s?

Yes, a Just Retirement mortgage calculator for homeowners over 60 will show 3.38% AER fixed.

Do Just Retirement do RIO mortgages for retired homeowners over 60?

Yes, a Just Retirement RIO mortgage for the over 60s is 3.24% APR fixed.

Do Just Retirement do retirement interest only mortgages for the over 60s?

Yes, a Just Retirement retirement interest only mortgage over 60 is 3.3% APR variable.

Charlie O’Donnell from Plymouth on Just Equity Release

I turned to Just Equity Release after reading positive feedback on Trustpilot. Their calculator was a great help, allowing me to easily understand the loan to value ratio. It’s been a game-changer to secure low interest rates and benefit from no fees, making my retirement planning much more manageable.

Blake Carr from Preston Discusses Just Retirement Equity Release

Choosing Just Retirement Equity Release was a decision made easier after exploring Google Reviews. The feature of no monthly repayments greatly appealed to me, providing much-needed financial flexibility. Additionally, the free valuation service was a clear indicator of their commitment to transparency.

Freya Morley from Dundee on Just Lifetime Mortgage

I opted for a Just Lifetime Mortgage following extensive research, which included user testimonials on I was particularly drawn to the no credit check policy, which simplified the process given my bad credit history. It’s reassuring to have such an inclusive approach to equity release.

Freya Bray from Exeter Reflects on Just Equity Release Reviews

After reading through Just Equity Release reviews, I felt confident in my choice. The straightforward process, coupled with no hidden fees and competitive low interest rates, has significantly alleviated my financial concerns in retirement.

Millie Wheeler from Chichester on Just Retirement Reviews

My decision to go with Just Retirement was heavily influenced by the detailed reviews I found on Google Reviews. The availability of a comprehensive calculator, along with policies of no fees and free valuation, ensured a transparent and beneficial experience throughout the process.