# Just J3 Lump Sum (4% Cashback)

**Contributors:** Nicola Date, Katherine Read. Rachel Wait & **Reviewed by** Francis Hui

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## Just J3 Lump Sum (4% Cashback) Review

## J3 Lump Sum (4% Cashback) Key Details

Type | Rate | APR | |
---|---|---|---|

Fixed |
4.35%% |
4.44%% |

Scheme Incentives

- 4% Cashback
- Free Valuation
- No Completion Fee

Scheme Offers

- GILT-based Repayment Charges
- 41.1% Maximum LTV

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 J3 Lump Sum (4% Cashback), equity release scheme 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.

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.

- We'll provide detailed information about the J3 Lump Sum (4% Cashback) scheme.
- We’ll help you assess whether this plan could be right for you and your family.
- We'll explain how low the current interest rates are for the J3 Lump Sum (4% Cashback) product.

## 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. The homeowner’s family usually pays back the cash released, and the interest incurred, from the sale of the home in question.

**Learn More:** What’s Equity Release?

## How Does Equity Release Work?

Equity release is available for individuals or couples over the age of 55, with the youngest homeowner’s age determining the amount of equity that can be released. It is important to note that some equity release schemes may require the homeowner to be 60 or older.

**Learn More: **How Does Equity Release Work?

We’ve summed up the most important information about the topic in this quick video.

How Much Can You Release?

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Most popular reasons for releasing equity

- Boosting retirement income.
- Paying off credit debts or loans.
- Gifting money to family. (E.g. To help children pay a deposit on their first house)
- Taking a trip of a lifetime.
- Replacing your car with the one you've always wanted.
- Making home & garden improvements.

## Who Are Just Retirement?

## Scheme Background

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.

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.

With this and more, Just Retirement has proved its strength in the increasingly competitive lifetime mortgage marketplace.

## Eligibility & Requirements

This equity release plan from Just is available to a maximum of two applicants on a single and joint life basis.

## Scheme Features

## Scheme Options

Scheme Options

**Editor’s Rating:**4.67

## Just Retirement's Other Equity Release Schemes

Are you looking for a specific equity release scheme?

- Just Capital Select Platinum
- Just J1 Drawdown
- Just J1 Drawdown (2% Cashback)
- Just J1 Drawdown (5% Cashback)
- Just J1 Interest Servicing 100% Drawdown
- Just J1 Interest Servicing 100% Drawdown (2% Cashback)
- Just J1 Interest Servicing 100% Drawdown (5% Cashback)
- Just J1 Interest Servicing 100% Lump Sum
- Just J1 Interest Servicing 100% Lump Sum (2% Cashback)
- Just J1 Interest Servicing 100% Lump Sum (5% Cashback)
- Just J1 Interest Servicing 25% Drawdown
- Just J1 Interest Servicing 25% Drawdown (2% Cashback)
- Just J1 Interest Servicing 25% Drawdown (5% Cashback)
- Just J1 Interest Servicing 25% Lump Sum
- Just J1 Interest Servicing 25% Lump Sum (2% Cashback)
- Just J1 Interest Servicing 25% Lump Sum (5% Cashback)
- Just J1 Interest Servicing 50% Drawdown
- Just J1 Interest Servicing 50% Drawdown (2% Cashback)
- Just J1 Interest Servicing 50% Drawdown (5% Cashback)
- Just J1 Interest Servicing 50% Lump Sum
- Just J1 Interest Servicing 50% Lump Sum (2% Cashback)
- Just J1 Interest Servicing 50% Lump Sum (5% Cashback)
- Just J1 Interest Servicing 75% Drawdown
- Just J1 Interest Servicing 75% Drawdown (2% Cashback)
- Just J1 Interest Servicing 75% Drawdown (5% Cashback)
- Just J1 Interest Servicing 75% Lump Sum
- Just J1 Interest Servicing 75% Lump Sum (2% Cashback)
- Just J1 Interest Servicing 75% Lump Sum (5% Cashback)
- Just J1 Lump Sum
- Just J1 Lump Sum (2% Cashback)
- Just J1 Lump Sum (5% Cashback)
- Just J2 Drawdown
- Just J2 Drawdown (2% Cashback)
- Just J2 Drawdown (4% Cashback)
- Just J2 Drawdown (5% Cashback)
- Just J2 Interest Servicing 100% Drawdown
- Just J2 Interest Servicing 100% Drawdown (2% Cashback)
- Just J2 Interest Servicing 100% Drawdown (4% Cashback)
- Just J2 Interest Servicing 100% Drawdown (5% Cashback)
- Just J2 Interest Servicing 100% Lump Sum
- Just J2 Interest Servicing 100% Lump Sum (2% Cashback)
- Just J2 Interest Servicing 100% Lump Sum (4% Cashback)
- Just J2 Interest Servicing 100% Lump Sum (5% Cashback)
- Just J2 Interest Servicing 25% Drawdown
- Just J2 Interest Servicing 25% Drawdown (2% Cashback)
- Just J2 Interest Servicing 25% Drawdown (4% Cashback)
- Just J2 Interest Servicing 25% Drawdown (5% Cashback)
- Just J2 Interest Servicing 25% Lump Sum
- Just J2 Interest Servicing 25% Lump Sum (2% Cashback)
- Just J2 Interest Servicing 25% Lump Sum (4% Cashback)
- Just J2 Interest Servicing 25% Lump Sum (5% Cashback)
- Just J2 Interest Servicing 50% Drawdown
- Just J2 Interest Servicing 50% Drawdown (2% Cashback)
- Just J2 Interest Servicing 50% Drawdown (4% Cashback)
- Just J2 Interest Servicing 50% Drawdown (5% Cashback)
- Just J2 Interest Servicing 50% Lump Sum
- Just J2 Interest Servicing 50% Lump Sum (2% Cashback)
- Just J2 Interest Servicing 50% Lump Sum (4% Cashback)
- Just J2 Interest Servicing 50% Lump Sum (5% Cashback)
- Just J2 Interest Servicing 75% Drawdown
- Just J2 Interest Servicing 75% Drawdown (2% Cashback)
- Just J2 Interest Servicing 75% Drawdown (4% Cashback)
- Just J2 Interest Servicing 75% Drawdown (5% Cashback)
- Just J2 Interest Servicing 75% Lump Sum
- Just J2 Interest Servicing 75% Lump Sum (2% Cashback)
- Just J2 Interest Servicing 75% Lump Sum (4% Cashback)
- Just J2 Interest Servicing 75% Lump Sum (5% Cashback)
- Just J2 Lump Sum
- Just J2 Lump Sum (2% Cashback)
- Just J2 Lump Sum (4% Cashback)
- Just J2 Lump Sum (5% Cashback)
- Just J2.5 Drawdown
- Just J2.5 Drawdown 2% Cashback
- Just J2.5 Drawdown 5% Cashback
- Just J2.5 Interest Servicing 100% Drawdown
- Just J2.5 Interest Servicing 100% Drawdown 2% Cashback
- Just J2.5 Interest Servicing 100% Drawdown 5% Cashback
- Just J2.5 Interest Servicing 100% Lump Sum
- Just J2.5 Interest Servicing 100% Lump Sum 2% Cashback
- Just J2.5 Interest Servicing 100% Lump Sum 5% Cashback
- Just J2.5 Interest Servicing 25% Drawdown
- Just J2.5 Interest Servicing 25% Drawdown 2% Cashback
- Just J2.5 Interest Servicing 25% Drawdown 5% Cashback
- Just J2.5 Interest Servicing 25% Lump Sum
- Just J2.5 Interest Servicing 25% Lump Sum 2% Cashback
- Just J2.5 Interest Servicing 25% Lump Sum 5% Cashback
- Just J2.5 Interest Servicing 50% Drawdown
- Just J2.5 Interest Servicing 50% Drawdown 2% Cashback
- Just J2.5 Interest Servicing 50% Drawdown 5% Cashback
- Just J2.5 Interest Servicing 50% Lump Sum
- Just J2.5 Interest Servicing 50% Lump Sum 2% Cashback
- Just J2.5 Interest Servicing 75% Drawdown
- Just J2.5 Interest Servicing 75% Drawdown 2% Cashback
- Just J2.5 Interest Servicing 75% Drawdown 5% Cashback
- Just J2.5 Interest Servicing 75% Lump Sum
- Just J2.5 Interest Servicing 75% Lump Sum 2% Cashback
- Just J2.5 Interest Servicing 75% Lump Sum 5% Cashback
- Just J2.5 Lump Sum
- Just J2.5 Lump Sum 2% Cashback
- Just J2.5 Lump Sum 5% Cashback
- Just J3 Drawdown
- Just J3 Drawdown (2% Cashback)
- Just J3 Drawdown (4% Cashback)
- Just J3 Drawdown (5% Cashback)
- Just J3 Interest Servicing 100% Drawdown
- Just J3 Interest Servicing 100% Drawdown (2% Cashback)
- Just J3 Interest Servicing 100% Drawdown (4% Cashback)
- Just J3 Interest Servicing 100% Drawdown (5% Cashback)
- Just J3 Interest Servicing 100% Lump Sum
- Just J3 Interest Servicing 100% Lump Sum (2% Cashback)
- Just J3 Interest Servicing 100% Lump Sum (4% Cashback)
- Just J3 Interest Servicing 100% Lump Sum (5% Cashback)
- Just J3 Interest Servicing 25% Drawdown
- Just J3 Interest Servicing 25% Drawdown (2% Cashback)
- Just J3 Interest Servicing 25% Drawdown (4% Cashback)
- Just J3 Interest Servicing 25% Drawdown (5% Cashback)
- Just J3 Interest Servicing 25% Lump Sum
- Just J3 Interest Servicing 25% Lump Sum (2% Cashback)
- Just J3 Interest Servicing 25% Lump Sum (4% Cashback)
- Just J3 Interest Servicing 25% Lump Sum (5% Cashback)
- Just J3 Interest Servicing 50% Drawdown
- Just J3 Interest Servicing 50% Drawdown (2% Cashback)
- Just J3 Interest Servicing 50% Drawdown (4% Cashback)
- Just J3 Interest Servicing 50% Drawdown (5% Cashback)
- Just J3 Interest Servicing 50% Lump Sum
- Just J3 Interest Servicing 50% Lump Sum (2% Cashback)
- Just J3 Interest Servicing 50% Lump Sum (4% Cashback)
- Just J3 Interest Servicing 50% Lump Sum (5% Cashback)
- Just J3 Interest Servicing 75% Drawdown
- Just J3 Interest Servicing 75% Drawdown (2% Cashback)
- Just J3 Interest Servicing 75% Drawdown (4% Cashback)
- Just J3 Interest Servicing 75% Drawdown (5% Cashback)
- Just J3 Interest Servicing 75% Lump Sum
- Just J3 Interest Servicing 75% Lump Sum (2% Cashback)
- Just J3 Interest Servicing 75% Lump Sum (4% Cashback)
- Just J3 Interest Servicing 75% Lump Sum (5% Cashback)
- Just J3 Lump Sum
- Just J3 Lump Sum (2% Cashback)
- Just J3 Lump Sum (5% Cashback)
- Just J4 Drawdown
- Just J4 Drawdown (2% Cashback)
- Just J4 Drawdown (5% Cashback)
- Just J4 Interest Servicing 100% Drawdown
- Just J4 Interest Servicing 100% Drawdown (2% Cashback)
- Just J4 Interest Servicing 100% Drawdown (5% Cashback)
- Just J4 Interest Servicing 100% Lump Sum
- Just J4 Interest Servicing 100% Lump Sum (2% Cashback)
- Just J4 Interest Servicing 100% Lump Sum (5% Cashback)
- Just J4 Interest Servicing 25% Drawdown
- Just J4 Interest Servicing 25% Drawdown (2% Cashback)
- Just J4 Interest Servicing 25% Drawdown (5% Cashback)
- Just J4 Interest Servicing 25% Lump Sum
- Just J4 Interest Servicing 25% Lump Sum (2% Cashback)
- Just J4 Interest Servicing 25% Lump Sum (5% Cashback)
- Just J4 Interest Servicing 50% Drawdown
- Just J4 Interest Servicing 50% Drawdown (2% Cashback)
- Just J4 Interest Servicing 50% Drawdown (5% Cashback)
- Just J4 Interest Servicing 50% Lump Sum
- Just J4 Interest Servicing 50% Lump Sum (2% Cashback)
- Just J4 Interest Servicing 50% Lump Sum (5% Cashback)
- Just J4 Interest Servicing 75% Drawdown
- Just J4 Interest Servicing 75% Drawdown (2% Cashback)
- Just J4 Interest Servicing 75% Drawdown (5% Cashback)
- Just J4 Interest Servicing 75% Lump Sum
- Just J4 Interest Servicing 75% Lump Sum (2% Cashback)
- Just J4 Interest Servicing 75% Lump Sum (5% Cashback)
- Just J4 Lump Sum
- Just J4 Lump Sum (2% Cashback)
- Just J4 Lump Sum (5% Cashback)
- Just J5 Drawdown (2% Cashback) (Enhanced)
- Just J5 Drawdown (3% Cashback) (Enhanced)
- Just J5 Drawdown (5% Cashback) (Enhanced)
- Just J5 Drawdown (Enhanced)
- Just J5 Interest Servicing 100% Drawdown (Enhanced)
- Just J5 Interest Servicing 100% Drawdown (Enhanced) (2% Cashback)
- Just J5 Interest Servicing 100% Drawdown (Enhanced) (3% Cashback)
- Just J5 Interest Servicing 100% Drawdown (Enhanced) (5% Cashback)
- Just J5 Interest Servicing 100% Lump Sum (2% Cashback) (Enhanced)
- Just J5 Interest Servicing 100% Lump Sum (3% Cashback) (Enhanced)
- Just J5 Interest Servicing 100% Lump Sum (5% Cashback) (Enhanced)
- Just J5 Interest Servicing 100% Lump Sum (Enhanced)
- Just J5 Interest Servicing 25% Drawdown (Enhanced)
- Just J5 Interest Servicing 25% Drawdown (Enhanced) (2% Cashback)
- Just J5 Interest Servicing 25% Drawdown (Enhanced) (3% Cashback)
- Just J5 Interest Servicing 25% Drawdown (Enhanced) (5% Cashback)
- Just J5 Interest Servicing 25% Lump Sum (3% Cashback) (Enhanced)
- Just J5 Interest Servicing 25% Lump Sum (5% Cashback) (Enhanced)
- Just J5 Interest Servicing 25% Lump Sum (Enhanced)
- Just J5 Interest Servicing 50% Drawdown (Enhanced)
- Just J5 Interest Servicing 50% Drawdown (Enhanced) (2% Cashback)
- Just J5 Interest Servicing 50% Drawdown (Enhanced) (3% Cashback)
- Just J5 Interest Servicing 50% Drawdown (Enhanced) (5% Cashback)
- Just J5 Interest Servicing 50% Lump Sum (2% Cashback) (Enhanced)
- Just J5 Interest Servicing 50% Lump Sum (3% Cashback) (Enhanced)
- Just J5 Interest Servicing 50% Lump Sum (5% Cashback) (Enhanced)
- Just J5 Interest Servicing 50% Lump Sum (Enhanced)
- Just J5 Interest Servicing 75% Drawdown (Enhanced)
- Just J5 Interest Servicing 75% Drawdown (Enhanced) (2% Cashback)
- Just J5 Interest Servicing 75% Drawdown (Enhanced) (3% Cashback)
- Just J5 Interest Servicing 75% Drawdown (Enhanced) (5% Cashback)
- Just J5 Interest Servicing 75% Lump Sum (2% Cashback) (Enhanced)
- Just J5 Interest Servicing 75% Lump Sum (3% Cashback) (Enhanced)
- Just J5 Interest Servicing 75% Lump Sum (5% Cashback) (Enhanced)
- Just J5 Interest Servicing 75% Lump Sum (Enhanced)
- Just J5 Lump Sum (2% Cashback) (Enhanced)
- Just J5 Lump Sum (3% Cashback) (Enhanced)
- Just J5 Lump Sum (5% Cashback) (Enhanced)
- Just J5 Lump Sum (Enhanced)
- Just J6 Lump Sum
- Just J6 Lump Sum 1% Cashback
- Just J6 Lump Sum 2% Cashback
- Just J6 Lump Sum 3% Cashback
- Just J6 Lump Sum 4% Cashback
- Just J6 Lump Sum 5% Cashback

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 interest rates on equity release!

**Editorial Note:** This content has been independently collected by the SovereignBoss advisor 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.

#### HOW MUCH EQUITY CAN YOU RELEASE?

Most people are using equity release as a means of retaining the use of their house while also obtaining a lump sum or a steady stream of income. Get matched with an expert and check your eligibility for equity release options.

See how much you can release today!