Offering 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.
We've added medical underwriting across our Just For You Lifetime Mortgage, so it's easier for you to deliver solutions unique to every client.
With the medically underwritten Just For You Lifetime Mortgage, 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.
*Just Group analysis from proprietary database of circa 2 million years
Medical underwriting could help your clients achieve a better interest rate to reduce their costs of borrowing.
Clients with surplus income every month could benefit from interest servicing and a potential reduction to the roll-up interest rate.
Our cashback can help clients reduce the loan amount needed (and so the LTV), which could mean a lower interest rate.
Those choosing not to service monthly interest can pay up to 10% of each advance in every 12 month policy period without incurring an ERC.
Read our ERC guide for more information.
Clients wanting to access as much money as possible may be interested in our flexible cashback options, paid in addition to the loan to value (LTV).
Alternatively, cashback can be used to reduce the size of loan required.