For internal use only
At Just Mortgages, we’re committed to supporting our advisers in delivering the right outcomes for every client — even in areas where additional permissions are required.
One such area is Later Life Lending.
To help support our team, we have our Referral Programme — a simple and trusted way to refer clients to experienced advisers within the Just Mortgages network who are fully qualified to provide advice in this specialist area.
The Programme gives you access to our group of accredited Later Life Lending Advisers, all authorised and trained to offer advice tailored to the unique needs of older clients.
We currently work with a number of specialist advisers who meet our high standards of professionalism and client care.
Whenever you refer a client, you can be confident they’ll receive expert, ethical advice. In many cases, the adviser will be happy for you to attend the client meeting, supporting the continuity of the relationship — and giving you an opportunity to learn more about the Later Life Lending market.
Should the Later Life Lending Adviser determine that a Retirement Interest Only (RIO) Mortgage — or any other solution that falls within your permissions — is more suitable for the client, they will refer the client straight back to you.
This ensures that you remain fully involved in the client journey and benefit from any business opportunities that fall within your scope of authorisation.
In short, our specialist advisers will only write business that you are not authorised to, giving you peace of mind that referrals are handled professionally, ethically, and in the client’s best interest — while keeping you at the heart of the relationship.
At Just Mortgages, we believe in applying fair but robust criteria when selecting advisers to be part of the Referral Programme. This ensures that any client you refer is in safe, experienced hands.
To qualify for the programme, a broker must consistently demonstrate competency and write a strong volume of Lifetime Mortgage business. In addition, all participating firms must be active members of the Equity Release Council, reflecting their commitment to the highest industry standards and adherence to the Council’s Code of Conduct.
To support ongoing collaboration and trust, all Later Life Advisers are also required to take annual tests not only set by the network but also set by the Equity Release Council meaning they are tested more frequently.
For added reassurance, all cases are subject to 100% post-sale file checks, and customer fees are capped in line with our internal policies.
• Ensure clients receive the right advice from qualified experts
• Strengthen client relationships through collaboration
• Enhance your own knowledge if you’re considering developing in this area
• Expand your service offering with confidence
If you have a client who may benefit from Later Life Lending advice or want to know more about how the referral process works, please get in touch with the Just Mortgages Later Life Lending team.
We’re here to help you deliver great outcomes — every step of the way.
You can feel confident knowing your client will receive high-quality, compliant advice from a fellow Just Mortgages adviser. And yes, you’ll also receive a share of the procuration fee as a thank-you for the referral.
This can range from 20% to 50%, depending on your agreement with the adviser. It’s a straightforward arrangement—no Introducer Agreement needed, since you’re both part of the same Network.
If you’re curious about exploring the Later Life Lending market and want to grow your advice offering, we’d love to support you. We have a route to authorisation whether you currently hold the necessary qualification or not.
The Equity Release Licence at Just Mortgages is not just any Equity Release Licence. Included in the program is membership of our bespoke Equity Release Team here at Just Mortgages and the involvement you have with that can be as little or as much as you prefer. Our theme is ‘On your own but not alone’ and the same applies to our Equity Release world.
Our licence includes:
Membership of Equity Release Council
Listed on the Just Mortgages website as an Equity Release Adviser in our Broker Finder section
Attendance on the Equity Release Induction Training Program
A bespoke lead generation workshop
A bespoke ‘How to write Equity Release business’ workshop
Regular drop in events with guest speakers from the industry
On the shelf bespoke Equity Release marketing material via SPOS
100% Case checking keeping you safe
Full supervision support from your ER qualified Area Director
Referrals from other JM Advisors across the entire JM adviser network
Coaching and 121 support
Group WhatsApp chat with other ER advisors to collaborate, support and share ideas
Trained Area Directors pushing for leads for you
Access to our Area & Regional directors for bespoke support
Being a member of the Equity Release Council is a prestigious accolade in the ER market and something that clients and business partners alike look for in an adviser. The Equity Release Council represents the equity release sector and exists to promote high standards of conduct and practice in the provision of and advice on equity release which have consumer safeguards at its heart. Just Mortgages are delighted to be a member meaning you will be too. The many benefits of this membership are listed below:
The widely acclaimed Endorsement mark on the JM websiteprovides reassurance to prospective & current clients
Broker finder listed on the ERC Broker Finder page on their website
Access to member’s area of the ER council website – handy toolkits are very popular here
Guidance through the advice process
Access to networking opportunities by joining The Council at exhibitions, seminars etc
Opportunities to have The Council speak to you about your development upon request
Access to workshops via roadshows and an accredited training program provided by the Later Life Academy
Dedicated PR campaigns
The licence fee including all of the benefits above is just £650 + VAT. For newly licenced advisers this is payable upon attendance of the licence course.
Not only that - but after each year if you have banked £15,000 gross Equity Release income (pro-rata’d for incomplete years) you will retain your licence for the following year and no -relicencing fee will apply for the coming year. This could equate to just 3-4 mortgages given the current case size.
Above we talk about getting the licence if you are qualified, below we need to talk about getting the exams.
The Just Mortgages Training & Development team are pleased to be able to offer training and support to help you get qualified!
are the
• The first thing you will need to do is to get your Equity Release qualification. There are two examining bodies who currently offer this, the LIBF and the CII. Just Mortgages will be offering the LIBF syllabus called Certificate in Regulated Equity Release (CeRER).
• The qualification consists of two units and you be required to pass both units with a 70% pass mark.
• Then, once you have passed your exam, you will need to attend a two day induction course to obtain your licence. This is currently being delivered remotely and courses are run subject to demand. What training and support will be offered from Just Mortgages?
We have spent many weeks putting together a programme which has been designed to supplement the material that you get from the LIBF.
Many people do not learn simply from reading a black and white 196 page manual! We have recognised that and have created a comprehensive, interactive and blended learning approach, all of which can be completed from the comfort and safety of your own home.
There are six topics which make up the Equity Release qualification, each of these topics are outlined in the manual you will receive when you are first registered. In order to make your learning more enjoyable and engaging, Just Mortgages have designed an online learning module to develop and consolidate your understanding of the subjects involved.
The programme also includes a weekly consolidation session via video conferencing to enable you to ask any questions, confirm understanding and to revisit any areas you are not sure about.
As part of the programme, you will also have access to two practice exams which you will be able to complete before the real thing.
What are the costs involved?
Just Mortgages will charge just £245 inclusive of VAT for all of the training and support mentioned above, so in summary:
• Six online learning modules with interactive activities, videos and handouts to help consolidate your understanding of each topic
• A weekly video conference call session with your Training Manager to go over any areas of concern
• Two practice exams which usually cost £30 per exam
• Full access to automated point of sale and submission system - Writeroute
The LIBF charge £250 for your CeRER manual, access to their website, registration for the qualification and one attempt at the exam (please note resits cost an extra £170 per unit). This cost would be the same if you were to register with them individually without taking up the Just Mortgages Programme.
This means the total cost is £495 inclusive of VAT.
All you need to do now is register your interest with your Business Manager.
A business plan showing your intentions for this licence will need to be completed and submitted. Once accepted we can book you on the next available course.
After successful completion of the course it’s up to you to book the date for your exam and then upon passing you can register for the next available Equity Release Licence course so we can help you get up & running.
