Mortgages and Equity Release | Just Financial Planning

Mortgages

Whether you’re buying your first home, moving to accommodate a growing family or refinancing an existing property, your mortgage is a cornerstone of your financial life. At Just Financial Planning, we help you make confident, informed decisions at every stage.

As independent advisers, we search the whole market to find the right mortgage for your needs, helping you secure competitive rates, avoid common pitfalls, and keep your long-term financial goals in sight.

Equity Release

For many people in retirement, their home is their most valuable asset. Equity release allows you to unlock tax-free cash from your property without having to move or make monthly repayments.

We take time to help you explore all the options, including alternatives such as downsizing or using other assets, so you can make a fully informed choice. Then, if equity release is right for you, we’ll compare lenders across the market to find the most suitable and cost-effective plan, ensuring your interests and legacy are protected.

What can we help with?

From finding the right mortgage for your first home to refinancing, investing in property or releasing equity later in life, we tailor our advice to your circumstances and long-term goals, helping you make the most of your home at every stage of your journey.

Helping individuals and families answer these common mortgage questions:

Can my parents help with mortgage affordability
What if I want to move or change jobs, can I relocate with my mortgage loan
What is the maximum term for a residential mortgage
What happens if I lose my job? Can I protect my mortgage payments

Helping individuals and families answer these common equity release questions:

Is equity release a safe way to help fund retirement or support my family?
How will equity release impact my ability to leave an inheritance for my family?
What are the potential long-term costs and risks associated with equity release?
How can I ensure I am getting the best possible deal in the current equity release market?

First-Time Buyers:

Buying your first home can feel overwhelming. We guide you through every step, from understanding how much you can borrow to finding the right mortgage and securing the best deal, so you can buy with confidence.

Remortgaging:

When your current deal ends or your needs change, remortgaging can help reduce costs or unlock funds. We review your existing mortgage, compare the market, and help you switch to an option that suits your goals.

Buy-to-let mortgages:

Property investment comes with its own complexities. We help landlords structure their borrowing effectively, secure competitive rates, and ensure their portfolio supports both income and long-term growth.

Equity release:

For homeowners aged 55 and over, equity release can provide access to tax-free cash from your home without needing to move. We explore all your options, including alternatives like downsizing, and compare products across the market to find the most suitable plan. Our advice ensures you understand the long-term implications and that your interests are protected throughout the process.

Testimonials

This is what our clients think of us...

We chose to work with JFP five years ago and we’ve been delighted with our choice. They took the time to get to know us as we approached retirement, including a cash flow forecast showing that we could retire sooner than expected. We’ve found JFP to be up-front and transparent about their fees and it feels like money well spent.

Chris

Retirement Advice

Why choose us?

The right products for you:

Our independence makes use of the best available products on the market to get the very best deal for you. There are thousands to choose from, with a variety of pros and cons to consider, which we have the knowledge to navigate on your behalf.

Competitive fees:

We’re committed to transparency and value. Our initial charge and our ongoing charges are more than 25% below the industry average. We also negotiate discounts on products and platforms which we pass on to you.

More about our fees

Our expertise:

As a Chartered firm, we’re in the top 14% of firms in the country. We were also named by FT Adviser in the Top 10 Boutique Financial Advice Firms in the UK 2025. You have the peace of mind that your finances are being professionally managed. With regular performance reviews, switches and rebalances, we work continuously to ensure your finances are working hard for you.

How it works

Step 1

Get in touch to arrange a free initial consultation so we can get to know you. You can either come to our office in Coltishall, Norfolk, or many clients are now choosing the convenience of a video call.

Step 2

We will review your existing arrangements and recommend a strategy. We’ll also explain any fees. We’ll formalise what we’ve agreed in a recommendation report and, if you’re happy, we’ll implement the strategy on your behalf.

Step 3

As part of our ongoing service, we will make regular checks that you are on course to achieve your objective and make adjustments if needs be.

Let’s make your next move the right one

Book your complimentary consultation

Avoid Costly Mistakes

Without the right advice, property decisions can lead to avoidable setbacks, such as:

Paying more than necessary in interest and fees
Locking into unsuitable terms that restrict future flexibility
Overlooking how borrowing decisions impact long-term goals like retirement or estate planning.

At Just Financial Planning, we offer expert advice, whole-of-market access, and long-term support, ensuring your mortgage or property finance works with your broader financial plan, not against it.

Let's chat

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments

Equity released from your home will be secured against it’ or ‘A lifetime mortgage will be secured against your home

Services

Retirement Planning Investment Planning Business Planning Tax Planning Estate Planning Protection & Insurance Mortgage & Equity Release Cashflow Modelling Care Fee Planning

Policies

2025 Just Financial Planning.
Website by Example Marketing & Web Design

Compliance

Just Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority. Just Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 477571. Registered in England & Wales, Company Number 6453011.

Registered Office address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA.

Trading address: Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA. Telephone: 01603 266333

The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.

Independent Chartered Financial Planners

Mortgage and Equity Release