Expert VerifiedWhat Makes the Just J2 Equity Release Plan Different?
- Last Updated: 23 Oct 2025
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Contributors:
Be aware. Equity release comes with drawbacks which are important to think about. Lifetime mortgages are secured loans. Compound interest means the amount you owe can grow quickly. Equity release reduces your estate's value and may impact means-tested benefits.Key Takeaways
- J2 equity release plans provide homeowners over the age of 55 with a tax-free cash lump sum or regular payments, offering financial freedom during retirement.
- These plans enable unlocking the value in their home while still residing there, with repayment upon the house's sale.
- Regulated by the Financial Conduct Authority (FCA), these options offer a secure financial planning method for retirees.
- Associated costs can include arrangement fees, valuation fees, and accrued compound interest over the loan period.
- Moving houses after engaging in such a plan is typically possible, contingent on the new property meeting the lender's standards.
In This Article, You Will Discover:
TAKE NOTE: EveryInvestor is an independent and unrelated third-party information provider via this website, and the details reproduced in this article represent the opinions of EveryInvestor only and may not reflect the views or opinions of Just J2. This article is not to be construed by the reader as advice, nor is it a solicitation to enter any transaction in any financial product provided by Just J2.
I think you’ll agree with me when I say:
It’s REALLY hard to choose the best equity release scheme with all the choices available.
Or is it?
Is the Just J2 equity release schemes the best?
Don’t let your equity release dream become a nightmare!
Luckily, we’re here to guide you on the ins and outs of equity release, as you deserve only the best. Luckily, we’re here to guide you on the ins and outs of equity release, as you deserve only the best.
However, it’s important to remember that not all plans are suited to each individual. You need to look for one that will serve your home, your lifestyle, and the reason why you’re considering equity release in the first place.
As leading experts in the field, we’ve delved into hours of research, unpacked all the equity release plans on the market (we’ve reviewed over 250 schemes!), and discovered the best in the business. As leading experts in the field, we’ve delved into hours of research, unpacked all the equity release plans on the market (we’ve reviewed over 250 schemes!), and discovered the best in the business. As leading experts in the field, we’ve delved into hours of research, unpacked all the equity release plans on the market (we’ve reviewed over 250 schemes!), and discovered the best in the business.
Could the Just J2 be the right equity release plans for you?
In This Article, You Will Discover:
Just Retirement is one of the leading equity release providers on the market and may just be the answer you’ve been looking for.
Can you truly go wrong with Just Retirement?
Let’s find out!
Who Are Just Retirement?
They have a strong social mission and are a lighthouse in the financial services industry.
Just also offers products and services that assist clients in living a better later life, and believes that financial intermediaries are best positioned to assist people with the decisions they must make in order to do so.
Here’s a range of Just equity release plans you can choose from.
What Is Understood by the Term 'Equity Release'?
Equity release is a financial option for those aged 55 or older, providing access to their home’s equity in cash.
It's a route to benefit from your property's value without a sale.
The loan's repayment feature is noteworthy, being delayed until the property's sale, often coinciding with the homeowner's major life shifts.
Learn More: Releasing Equity From Your House
Just J2 Equity Release Plan
With Just Retirement you’ll gain the advantage from choosing an established lifetime mortgage lender with a strong presence in the post retirement marketplace.
More than providing retirement income via annuities, Just Retirement also lends money in the form of equity release schemes through their own equity release funding model. And, beyond lending they are a funder to other equity release companies.
Just Retirement lets you enjoy traditional roll-up lifetime mortgages ranging from drawdown, lump sum and interest only lifetime mortgages to enhanced lifetime mortgage plans.
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.
With this and more, Just Retirement has proved its strength in the increasingly competitive lifetime mortgage marketplace.
Just J2 Schemes Review & Comparison
Just J2 Drawdown Schemes
| Scheme | Type | RateA monthly interest rate is simply how much interest you would be charged in one month. | APRThe Annual Percentage Rate (APR) includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. | Max LTVLenders use the loan-to-value ratio as a risk indicator when determining the size of a loan they will approve. | CashbackThe cash amount paid to borrowers upon completion in addition to the loan amount, increasing the maximum funds available. |
|---|---|---|---|---|---|
| Drawdown | Fixed | 3.1% | 3.15% | 37.2% | None |
| Drawdown (2% Cashback) | Fixed | 3.3% | 3.35% | 37.2% | 2% |
| Drawdown (4% Cashback) | Fixed | 3.5% | 3.56% | 37.2% | 4% |
| Drawdown (5% Cashback) | Fixed | 3.6% | 3.66% | 37.2% | 5% |
Just J2 Lump Sum Schemes
| Scheme | Type | RateA monthly interest rate is simply how much interest you would be charged in one month. | APRThe Annual Percentage Rate (APR) includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. | Max LTVLenders use the loan-to-value ratio as a risk indicator when determining the size of a loan they will approve. | CashbackThe cash amount paid to borrowers upon completion in addition to the loan amount, increasing the maximum funds available. |
|---|---|---|---|---|---|
| Lump Sum | Fixed | 3.25% | 3.1% | 37.2% | None |
| Lump Sum (2% Cashback) | Fixed | 3.25% | 3.3% | 37.2% | 2% |
| Lump Sum (4% Cashback) | Fixed | 3.45% | 3.51% | 37.2% | 4% |
| Lump Sum (5% Cashback) | Fixed | 3.55% | 3.61% | 37.2% | 5% |
Just J2 Interest Servicing 100% Schemes
| Scheme | Type | RateA monthly interest rate is simply how much interest you would be charged in one month. | APRThe Annual Percentage Rate (APR) includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. | Max LTVLenders use the loan-to-value ratio as a risk indicator when determining the size of a loan they will approve. | CashbackThe cash amount paid to borrowers upon completion in addition to the loan amount, increasing the maximum funds available. |
|---|---|---|---|---|---|
| Interest Servicing 100% Drawdown | Fixed | 2.9% | 2.94% | 37.2% | None |
| Interest Servicing 100% Drawdown (2% Cashback) | Fixed | 3.1% | 3.15% | 37.2% | 2% |
| Interest Servicing 100% Drawdown (4% Cashback) | Fixed | 3.3% | 3.35% | 37.2% | 4% |
| Interest Servicing 100% Drawdown (5% Cashback) | Fixed | 3.4% | 3.46% | 37.2% | 5% |
| Interest Servicing 100% Lump Sum | Fixed | 2.85% | 2.89% | 37.2% | None |
| Interest Servicing 100% Lump Sum (2% Cashback) | Fixed | 3.05% | 3.1% | 37.2% | 2% |
| Interest Servicing 100% Lump Sum (4% Cashback) | Fixed | 3.25% | 3.3% | 37.2% | 4% |
| Interest Servicing 100% Lump Sum (5% Cashback) | Fixed | 3.35% | 3.41% | 37.2% | 5% |
Just J2 Interest Servicing 75% Schemes
| Scheme | Type | RateA monthly interest rate is simply how much interest you would be charged in one month. | APRThe Annual Percentage Rate (APR) includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. | Max LTVLenders use the loan-to-value ratio as a risk indicator when determining the size of a loan they will approve. | CashbackThe cash amount paid to borrowers upon completion in addition to the loan amount, increasing the maximum funds available. |
|---|---|---|---|---|---|
| Interest Servicing 75% Drawdown | Fixed | 2.9% | 2.94% | 37.2% | None |
| Interest Servicing 75% Drawdown (2% Cashback) | Fixed | 3.1% | 3.15% | 37.2% | 2% |
| Interest Servicing 75% Drawdown (4% Cashback) | Fixed | 3.3% | 3.35% | 37.2% | 4% |
| Interest Servicing 75% Drawdown (5% Cashback) | Fixed | 3.4% | 3.46% | 37.2% | 5% |
| Interest Servicing 75% Lump Sum | Fixed | 2.85% | 2.89% | 37.2% | None |
| Interest Servicing 75% Lump Sum (2% Cashback) | Fixed | 3.05% | 3.1% | 37.2% | 2% |
| Interest Servicing 75% Lump Sum (4% Cashback) | Fixed | 3.25% | 3.3% | 37.2% | 4% |
| Interest Servicing 75% Lump Sum (5% Cashback) | Fixed | 3.35% | 3.41% | 37.2% | 5% |
Just J2 Interest Servicing 50% Schemes
| Scheme | Type | RateA monthly interest rate is simply how much interest you would be charged in one month. | APRThe Annual Percentage Rate (APR) includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. | Max LTVLenders use the loan-to-value ratio as a risk indicator when determining the size of a loan they will approve. | CashbackThe cash amount paid to borrowers upon completion in addition to the loan amount, increasing the maximum funds available. |
|---|---|---|---|---|---|
| Interest Servicing 50% Drawdown | Fixed | 2.9% | 2.94% | 37.2% | None |
| Interest Servicing 50% Drawdown (2% Cashback) | Fixed | 3.1% | 3.15% | 37.2% | 2% |
| Interest Servicing 50% Drawdown (4% Cashback) | Fixed | 3.3% | 3.35% | 37.2% | 4% |
| Interest Servicing 50% Drawdown (5% Cashback) | Fixed | 3.4% | 3.46% | 37.2% | 5% |
| Interest Servicing 50% Lump Sum | Fixed | 2.85% | 2.89% | 37.2% | None |
| Interest Servicing 50% Lump Sum (2% Cashback) | Fixed | 3.05% | 3.1% | 37.2% | 2% |
| Interest Servicing 50% Lump Sum (4% Cashback) | Fixed | 3.25% | 3.3% | 37.2% | 4% |
| Interest Servicing 50% Lump Sum (5% Cashback) | Fixed | 3.35% | 3.41% | 37.2% | 5% |
Just J2 Interest Servicing 25% Schemes
| Scheme | Type | RateA monthly interest rate is simply how much interest you would be charged in one month. | APRThe Annual Percentage Rate (APR) includes not only the interest expense on the loan but also all fees and other costs involved in procuring the loan. | Max LTVLenders use the loan-to-value ratio as a risk indicator when determining the size of a loan they will approve. | CashbackThe cash amount paid to borrowers upon completion in addition to the loan amount, increasing the maximum funds available. |
|---|---|---|---|---|---|
| Interest Servicing 25% Drawdown | Fixed | 3.1% | 3.15% | 37.2% | None |
| Interest Servicing 25% Drawdown (2% Cashback) | Fixed | 3.3% | 3.35% | 37.2% | 2% |
| Interest Servicing 25% Drawdown (4% Cashback) | Fixed | 3.5% | 3.56% | 37.2% | 4% |
| Interest Servicing 25% Drawdown (5% Cashback) | Fixed | 3.6% | 3.66% | 37.2% | 5% |
| Interest Servicing 25% Lump Sum | Fixed | 3.05% | 3.1% | 37.2% | None |
| Interest Servicing 25% Lump Sum (2% Cashback) | Fixed | 3.25% | 3.3% | 37.2% | 2% |
| Interest Servicing 25% Lump Sum (4% Cashback) | Fixed | 3.45% | 3.51% | 37.2% | 4% |
| Interest Servicing 25% Lump Sum (5% Cashback) | Fixed | 3.55% | 3.61% | 37.2% | 5% |
Eligibility & Requirements
This equity release plans from Just are available to a maximum of two applicants on a single and joint life basis.
Just Retirement's Other Equity Release Schemes
Are you looking for a specific equity release scheme?
These are some of the schemes offered by Just Retirement.
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- Peace of Mind: Know if equity release is right for you.Peace of Mind: Know if it's right.
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