Jane Jackson Financial Solutions

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Jane Jackson Financial Solutions Approved by The Openwork Partnership on 18/04/2026 ADV 30364

What would happen if house prices fell after you'd taken out a Lifetime Mortgage? 😬 If your adviser is a member of the E...
17/10/2026

What would happen if house prices fell after you'd taken out a Lifetime Mortgage? 😬

If your adviser is a member of the Equity Release Council, you're protected by the no negative equity guarantee. That means you'll never owe more than your home is worth, whatever happens to property values. Your family won't be left with a debt to pay.

You also have the right to remain in your home for life, or until you move into permanent care. That right can't be taken away.

These protections are a requirement of Equity Release Council membership, and it's one of the reasons why choosing a Council member matters.

I’m a member of the Equity Release Council, so if you want to discuss Lifetime Mortgages and other ways to withdraw some of the value of your property, please get in touch.



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 17/06/2026

When giving Lifetime Mortgage advice, I follow 13 clearly defined stages, from initial fact-finding through to completio...
16/10/2026

When giving Lifetime Mortgage advice, I follow 13 clearly defined stages, from initial fact-finding through to completion.

At every stage, client protection is built in, including:

A compliance department review before any application is submitted
Independent legal advice throughout
A home visit from the solicitor before final signing
Clients can withdraw at any stage before completion without penalty. There's no pressure, and multiple opportunities to reconsider before they commit to anything.

For clients who are nervous about taking on a significant financial commitment later in life, this structured approach helps put them at ease. It means they arrive at completion having understood what they've agreed to.

As a member of the Equity Release Council, every case I handle follows ERC standards, which exist specifically to protect clients and give the professionals who refer them well-founded confidence in that decision.

If you'd like to understand the process in more detail or discuss a specific client scenario before making a referral, I'm happy to have that conversation.

Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 17/06/2026

If you're researching Lifetime Mortgages, one question worth asking every time is, ‘Is this adviser a member of the Equi...
14/10/2026

If you're researching Lifetime Mortgages, one question worth asking every time is, ‘Is this adviser a member of the Equity Release Council?’

It's easy to overlook, but it makes a real difference to the protections you receive. 🏡

Equity Release Council members must meet strict standards that go beyond basic Financial Conduct Authority regulation.

Specialist qualifications in later life lending
A thorough assessment of whether a Lifetime Mortgage is right for your circumstances
Only recommending products that include key safeguards, like the no negative equity guarantee
As a member of the Equity Release Council myself, I'm committed to those standards on every case.

If you'd like to understand what those protections mean for you, there's more on the blog.

📖 https://www.janejacksonfinancialsolutions.co.uk/equity-release/what-does-it-mean-member-equity-release-council/



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 17/06/2026

‘What's the point of leaving our children an inheritance if they need help now?’ This is a fair question to ask as a par...
09/10/2026

‘What's the point of leaving our children an inheritance if they need help now?’

This is a fair question to ask as a parent who wants the best for their children - don’t we all?

Deposits, debts, university costs... life is always demanding something.

If you're a homeowner aged 55 or over, a Lifetime Mortgage could allow you to access some of the wealth in your property now, so you can make a real difference to the people you love while you're around to see it.

There are things to consider carefully:

- How interest builds over time
- The effect on your estate
- Making sure everyone in the family understands the picture

I always take time to work through all of this with my clients and explore every alternative first.

If you are thinking about this, my latest blog article explains how it all works and what to think about.

Read more here: https://www.janejacksonfinancialsolutions.co.uk/later-life-lending/how-lifetime-mortgage-helps-parents-grandparents-give/



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 15/06/2026

What if you could help your children get onto the property ladder and still be there when it happens? 🩷 It's something a...
07/10/2026

What if you could help your children get onto the property ladder and still be there when it happens? 🩷

It's something a lot of the homeowners are starting to think about. They have equity tied up in their home, yet their adult children are renting, saving slowly, and still some way short of a deposit.

A Lifetime Mortgage allows some homeowners aged 55 and over to access some of the value in their property without having to sell or move. For many of my clients, this has meant gifting a deposit to a son or daughter and being able to visit them in their own home shortly afterwards. It’s a wonderful feeling.

This option is not suitable for everyone, and there are important things to understand before taking any steps. But if this is a question you have considered, hit the blue button above to book a non-obligation conversation with me.



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 15/06/2026

When did you last think about what part your home plays in your retirement? 🏠 Apart from keeping a roof over your head. ...
02/10/2026

When did you last think about what part your home plays in your retirement? 🏠

Apart from keeping a roof over your head.

Most people think of downsizing after children have left home, or to have less space and land to manage. But for homeowners aged 55 and over, there are a few different ways to access the value in a property.

A Lifetime Mortgage (equity release) means no monthly repayments and the loan is repaid when your home is eventually sold
A Retirement Interest Only Mortgage means you pay the monthly interest and keep the debt from growing
And in some cases, a later life traditional mortgage may be worth exploring
Understanding what exists is a useful place to start because there’s no one-size-fits-all.

If you would like to know who qualifies, what the process involves, and have your questions answered before making any decisions, please contact me to book a fee-free consultation.



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 15/06/2026

Does your home feel like your biggest asset, but your pension doesn't stretch far enough? 🏡 You're not alone. A lot of h...
30/09/2026

Does your home feel like your biggest asset, but your pension doesn't stretch far enough? 🏡

You're not alone. A lot of homeowners in their late 50s, 60s, and 70s find themselves in that position. They own a property that's grown in value over the decades, but a monthly income that doesn't match the retirement they'd hoped for.

The good news is there are options worth knowing about. For homeowners aged 55 and over, it's possible to access some of the value tied up in your home without having to sell up or move.

In my latest blog, I've written a guide covering the main routes available, how each one works, and what the process looks like from first conversation to completion.

If you've ever wondered what your options are or want to understand them properly before making any decisions, make a cuppa and have a quick read.

👉 https://www.janejacksonfinancialsolutions.co.uk/later-life-lending/complete-guide-how-use-value-home-retirement/



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 15/06/2026

Have you ever wondered whether it makes sense to have a monthly mortgage payment in retirement or whether it's better to...
28/09/2026

Have you ever wondered whether it makes sense to have a monthly mortgage payment in retirement or whether it's better to avoid one altogether?

It's a common question I come across. And the honest answer is, it depends.

Here’s the difference ⬇️

A Lifetime Mortgage (and method of equity release) means no monthly repayments, but the interest builds up over time, which reduces the equity in your home.

A Retirement Interest Only Mortgage means monthly payments, but the loan stays fixed, and more of your home's value is preserved for your family.

Neither is right or wrong. It’s a decision that comes down to your income, your priorities, and how you feel about inheritance.

I've written a guide covering both options side by side, with real-life examples to help you think it through.

Read the full blog here: https://www.janejacksonfinancialsolutions.co.uk/later-life-lending/lifetime-mortgage-vs-retirement-interest-only-mortgages-which-is-right/



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 15/06/2026

If leaving something behind for your children matters to you, the type of mortgage you choose in retirement could make a...
24/09/2026

If leaving something behind for your children matters to you, the type of mortgage you choose in retirement could make a real difference 🏡

Many homeowners over 55 don't realise there are two very different ways to borrow against your property, and they treat inheritance very differently.

With a Retirement Interest Only Mortgage, you pay the interest each month, so the loan stays the same.
With a Lifetime Mortgage, there are no monthly repayments, but interest builds over time.
Neither option is automatically better. It comes down to what you can afford month to month and what you want to leave behind.

If you’d like to discuss the options in plain English, click the ‘blue Book Now’ button above for a no-obligation conversation.



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 15/06/2026

‘We'll sort that one day.’ When was the last time you said that, and for what? A lot of people I speak to have spent de...
22/09/2026

‘We'll sort that one day.’

When was the last time you said that, and for what?

A lot of people I speak to have spent decades putting the house on the back burner because of school fees, the mortgage, the children.

And then retirement arrives, and finally, it’s time to create a home that feels right. But does money allow for it?

For homeowners aged 55 and over, a Lifetime Mortgage could make those long-postponed improvements possible. Whether that's a new kitchen, a wet room, a garden that doesn't need constant attention, or solar panels to help with the bills. The value tied up in your property could help fund it, subject to advice and suitability.

I write monthly blog articles to help answer some of these questions and more.

If you’ve been thinking about the value in your property, pop the kettle on and take a few minutes to read more about what to consider: https://www.janejacksonfinancialsolutions.co.uk/later-life-lending/funding-home-improvements-in-retirement-with-a-lifetime-mortgage/



Jane Jackson Financial Solutions is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by The Financial Conduct Authority.

Approved by The Openwork Partnership on 17/06/2026

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Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

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