How we work

JustUs plans to disrupt the lending landscape and become the provider of the biggest range of consumer mortgages and loans.

We will offer best-in-class rates, simplicity and inclusivity to all customers via FCA regulated mortgage brokers.

The JustUs journey to date.

January 2020

JustUs breaks £10M in lending.

June 2019

JustUs benefits from a new regulatory framework which allows it to vary it's permissions to provide residential mortgages.

February 2019

JustUs launches equity platform with £4.5M EIS shares to become next Fintech Unicorn.

February 2019

First JustUs pension lender accounts (SASS) deposited via intermediary portal. Long term investment capital now being received to fund mortgages and loans.

July 2018

FCA crowdfunding consultation CP18/20 proposes new regulatory vertical for P2P "Home Finance Platforms". JustUs sets product delivery roadmap underway.

May 2018

Intermediary investment portal BETA launch for Wealth Managers and Family Offices.

April 2018

JustUs transfers all business banking accounts to New Barclays Bank UK PLC (ring-fenced bank) for increased client money protections.

April 2018

JustUs ISA launched to the Intermediary Market.

January 2018

JustUs applies to the FCA regulatory sandbox to include JustUs Home Finance Products, AKA P2P residential mortgages as a new product.

December 2017

First JustUs ISA opened together with first loan funded from tax-free accounts

September 2017

JustUs receives full HMRC ISA Manager status.

August 2017

JustUs receives full FCA authorisation

June 2016

JustUs brand launched and JustUs ISA terms outlined.

Series A Fund raise offered to capitalise on the JustUs first mover advantage.

April 2016

The Budget passes law for the introduction of the Innovative Finance ISA. (IF-ISA)

March 2016

eMoneyHub Limited successfully close a fourth round of fundraising. Investors include a strategic Chinese investor active in the Asian P2P marketplace and the former Global Principal of Google's financial comparison team.

January 2016

eMoneyDirect Limited becomes fully authorised by FCA.

July 2015

eMoneyHub Limited successfully close a third round of fundraising. Investors include Sir John Hegarty who also commits his advertising and branding team to partner with eMoneyHub Limited in respect of the rebrand of eMoneyHub Limited and creation of 'JustUs'.

March 2015

eMoneyHub Limited successfully close a second round of fundraising.

September 2014

HMRC approve eMoneyHub Limited shares for EIS tax relief.

April 2014

FCA grant interim permissions for:

  • eMoneyHub Limited to operate Peer to Peer Lending and Debt Administration.
  • eMoneyDirect Limited to act as a credit intermediary/broker and receive commissions.

March 2014

eMoneyHub Limited successfully close an oversubscribed seed round on Crowdcube platform attracting 100 new investors.

March 2014

eMoneyDirect Limited launched as part of the group.

July 2013

eMoneyHub Limited launch beta site to test lender and borrower appetite.

July 2012

The Company eMoneyHub Limited, trading as is founded by Lee Birkett.