LiveMore Mortgages
LiveMore Mortgages is a UK specialist mortgage lender focused on borrowers aged 50-90+ underserved by mainstream lenders, offering capital repayment, interest-only, retirement interest-only, and lifetime mortgage products via broker networks and direct channels. Founded 2019/2020, it has served over 4,000 customers.
- Company typePrivate
- Founded2020
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What LiveMore Mortgages does
LiveMore Mortgages (legally LiveMore Capital Limited) is a UK-based specialist mortgage lender founded in 2019/2020 to serve borrowers aged 50-90+ who are declined or restricted by mainstream lenders due to age-based criteria. The company operates through two FCA-authorised entities — LiveMore Capital Limited (FRN 820578, the primary lender) and LiveMore Advice Limited (FRN 730706, advisory) — and is headquartered in London with operational offices in Glasgow and Uxbridge. LiveMore offers a five-product suite spanning Standard Capital & Interest, Standard Interest Only, Standard Part & Part, Retirement Interest Only (RIO), and Lifetime Mortgage (equity release), with a Drawdown Facility available on Lifetime Mortgages. Its Lifetime Mortgage product is approved by the Equity Release Council and carries a No Negative Equity Guarantee, while the broader business is positioned under a Social Bond Framework confirmed by ISS ESG as aligned with ICMA Social Bond Principles.
The company's technology combines an automated affordability calculator — the LiveMore Mortgage Matcher, evaluating 200+ product variations across diverse income streams (SIPPs, state pensions, self-employment, rental income, savings, investments) — with a deliberate manual underwriting approach. A signature "Underwriting Hero Hotline" gives intermediaries direct access to underwriters for complex cases, which LiveMore positions as the core differentiator versus automated high-street lenders. LiveMore generates revenue primarily through mortgage interest income across its on-balance-sheet loan book, supplemented by transaction fees; it has demonstrated capital markets access through a £250 million credit facility from Citi Bank (January 2023) and a £215 million public RMBS (Exmoor Funding 2025-1, July 2025), and has stated an ambition to lend over £1 billion to the 50+ demographic.
LiveMore distributes predominantly through a broker/intermediary channel that includes L&C, Legal & General, Mortgage Advice Bureau, Paradigm Mortgage Services, Primis, and Simplybiz, complemented by a direct-to-consumer website with affordability tools and advisor booking. The company has served over 4,000 customers (often after being declined elsewhere), holds an Excellent 4.8/5 Trustpilot rating, and is recognised as Mortgage Strategy's Best Lender for Later Life Lending in 2023 and 2024 and Best Equity Release/Lifetime Lender in 2024. Operations are limited to England, Wales and mainland Scotland.
LiveMore Mortgages firmographics
Firmographics- Name
- LiveMore Mortgages
- Legal name
- LiveMore Capital Limited
- Website
- https://livemoremortgages.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- LiveMore Mortgages is a UK specialist mortgage lender focused on borrowers aged 50-90+ underserved by mainstream lenders, offering capital repayment, interest-only, retirement interest-only, and lifetime mortgage products via broker networks and direct channels. Founded 2019/2020, it has served over 4,000 customers.
- Ownership category
- akta.pro rank
Where LiveMore Mortgages is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices3 records
Markets served
LiveMore Mortgages business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- Mortgage Interest Income: LiveMore generates revenue primarily through interest on mortgages extended to borrowers aged 50-90+. The company offers various mortgage products including Standard Capital & Interest, Standard Interest Only, Retirement Interest Only (RIO), and Lifetime Mortgages (equity release), each generating interest income over the loan term.
- Mortgage Securitisation: LiveMore securitises residential mortgages through public RMBS transactions such as Exmoor Funding 2025-1 (£215 million), structured under their Social Bond Framework aligned with ICMA principles. This provides funding for continued lending operations.
- Broker Commission (Proc Fees): LiveMore pays broker proc fees for mortgage completions: 0.55% gross upfront standard option, or 0.55% upfront plus 0.13% gross ongoing annually for up to 15 years (requires annual customer care call).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Capital & Interest Mortgage |
| Subscription | Monthly | Standard Interest Only Mortgage |
| Subscription | Monthly | Retirement Interest Only (RIO) |
| Subscription | Pay-as-you-go | Lifetime Mortgage (Equity Release) |
| Other | Annual | Broker Proc Fees |
| Other | Pay-as-you-go | Refer a Friend Scheme |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
LiveMore Mortgages product offering
Product offeringCore offering
LiveMore is a specialist UK mortgage lender providing later-life mortgage products to borrowers aged 40-90+. The product suite includes Standard Capital & Interest, Standard Interest Only, Standard Part & Part, Retirement Interest Only (RIO), and Lifetime Mortgages (equity release). The company uses a common-sense manual underwriting approach, evaluating a wide range of income streams (pensions, SIPPs, self-employed income, rental income, savings, investments) to determine affordability for customers typically declined by mainstream lenders.
Product overview
LiveMore Mortgages is a specialist later-life mortgage lender offering a platform of five core mortgage products designed for borrowers aged 40-90+. The product suite includes Standard Capital & Interest (capital repayment), Standard Interest Only, Standard Part & Part (hybrid), Retirement Interest Only (RIO), and Lifetime Mortgage (equity release). The company also offers a drawdown facility feature on Lifetime Mortgages and various product tiers (LiveMore 1 through 4 Plus) with different fee structures and rate options. All products target the underserved 50+ demographic and use manual underwriting with a common-sense approach rather than relying solely on automated credit scoring.
Differentiator
Problem solved
Functional benefit
Products and services
- Standard Capital & Interest Mortgage Capital repayment mortgage where borrowers repay both capital and interest monthly over a fixed term up to 40 years, available for borrowers aged 50-90+. Loan amounts up to £2.5m with up to 75% LTV, multiple income stream assessment including pensions and self-employment.
- Standard Interest Only Mortgage Interest-only mortgage where borrowers pay interest monthly with capital repaid at end of term (up to 40 years). Available from age 40, up to 75% LTV, maximum £2.5m loan, requires affordability assessment. Minimum loan £20k.
- Standard Part & Part Mortgage Hybrid mortgage combining capital repayment and interest-only elements where borrowers pay a proportion on each basis, offering flexibility for borrowers whose circumstances suit a mixed repayment structure.
- Retirement Interest Only (RIO) Mortgage Retirement-focused interest-only mortgage with no specified maturity date, repaid from home sale proceeds when the borrower passes away or moves into long-term care. Available from age 50, up to 75% LTV, maximum £2.5m loan, no maximum term, requires affordability assessment.
- Lifetime Mortgage (Equity Release) Equity release product providing a lump sum with no monthly payments required; interest compounds monthly and is repaid when the borrower passes away or moves into long-term care. Available age 55-90, maximum £1m loan, age-dependent LTV, No Negative Equity Guarantee (Equity Release Council approved), drawdown facility available after 6 months, downsize protection with no ERC after day one, 10% annual repayment allowance without charge.
Quantifiable outcome
- Over 4,000 customers served after being rejected by mainstream lenders
- +3 more outcomes
Companies that use LiveMore Mortgages
Customer profileNamed customers6 records
Segments3 records
Ideal customer profiles2 records
LiveMore Mortgages technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
LiveMore Mortgages partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered minor and core.
- Reed SmithminorReed Smith acted as legal advisor to LiveMore Capital on a £215 million public residential mortgage-backed securitisation named Exmoor Funding 2025-1. The transaction was structured under LiveMore's Social Bond Framework.
- The Green BranchminorLiveMore partnered with The Green Branch, a carbon offset provider and B Corporation, to offset the company's irreducible carbon footprint through forestry projects in Brazil and Borneo. This partnership supports LiveMore's environmental sustainability commitments.
- L&C (Broker Partner)coreL&C is one of LiveMore's broker partner network members, distributing LiveMore mortgage products to end borrowers through their broker platform.
- Legal & General (Broker Partner)coreLegal & General is a major broker partner distributing LiveMore mortgage products, leveraging their extensive mortgage advisory network.
- Mortgage Advice Bureau (Broker Partner)coreMortgage Advice Bureau (MAB) is a key broker partner providing LiveMore mortgage products to their network of mortgage advisers and borrowers.
- Paradigm Mortgage Services (Broker Partner)coreParadigm Mortgage Services is a broker network partner distributing LiveMore's specialist later-life mortgage products.
- Primis (Broker Partner)corePrimis is a broker network partner that provides access to LiveMore's mortgage products for their adviser members.
- Simplybiz (Broker Partner)coreSimplybiz is a financial services intermediary network partner distributing LiveMore's specialist mortgage products.
- ISS ESG (Second Party Opinion Provider)minorISS ESG provided a Second Party Opinion confirming LiveMore's Social Bond Framework is aligned with ICMA's global principles for social bonds, validating the company's ESG credentials for investors.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
LiveMore Mortgages competitors and assessment
Company assessmentDirect peers
- Pure Retirement: Specialist UK equity release and lifetime mortgage lender focused on the same 50+ demographic as LiveMore, offering comparable later-life lending products through intermediary channels.
- Hodge Bank: UK specialist lender with a significant lifetime mortgage and later-life lending business, competing directly with LiveMore for older borrowers via broker networks.
- Just Group (Just Retirement): UK-listed specialist in retirement products including lifetime mortgages and equity release — the closest direct competitor to LiveMore in later-life lending, with overlapping customer segments and similar product economics.
- OneFamily: Mutual society offering lifetime mortgages and equity release products to UK later-life borrowers, with a similar intermediary-led distribution model and focus on underserved older customers.
Broad incumbents
- Legal & General: Major UK insurer and asset manager offering lifetime mortgages and equity release through its broader financial services platform; also a broker partner of LiveMore, illustrating both partnership and competitive overlap.
- Canada Life UK: Established UK life insurer with a significant lifetime mortgage and retirement lending portfolio — competing with LiveMore on later-life products as part of a broader insurance and investment offering.
- LV= (Liverpool Victoria): UK mutual insurer offering lifetime mortgages and retirement lending products, overlapping with LiveMore's later-life focus as part of a broader protection and savings portfolio.
- Royal London: UK mutual life and pensions company with a lifetime mortgage offering for older borrowers, providing competing later-life lending products through intermediary channels similar to LiveMore.
- Aviva: One of the UK's largest insurers with a dedicated equity release / lifetime mortgage business (Aviva Equity Release), competing in the same 50+ borrower segment through broad brand and intermediary channels.
- Scottish Widows: UK life and pensions provider (part of Lloyds Banking Group) offering lifetime mortgages to the 50+ demographic, competing in the same later-life lending market as part of a broader financial services group.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
LiveMore Mortgages social profiles
Digital presenceLiveMore Mortgages compliance and trust
Trust signalCompliance6 records
LiveMore Mortgages financial estimates
Financial estimateRevenue estimate
Valuation estimate
LiveMore Mortgages leadership team
Management profileNumber of profiles
Profiles1 record
LiveMore Mortgages funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LiveMore Mortgages M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about LiveMore Mortgages
What does LiveMore Mortgages do?
LiveMore is a specialist UK mortgage lender providing later-life mortgage products to borrowers aged 40-90+. The product suite includes Standard Capital & Interest, Standard Interest Only, Standard Part & Part, Retirement Interest Only (RIO), and Lifetime Mortgages (equity release). The company uses a common-sense manual underwriting approach, evaluating a wide range of income streams (pensions, SIPPs, self-employed income, rental income, savings, investments) to determine affordability for customers typically declined by mainstream lenders.
Is LiveMore Mortgages a public or private company?
LiveMore Mortgages is a private company. It is classified as unknown and is currently operating.
When was LiveMore Mortgages founded?
LiveMore Mortgages was founded in 2020. It employs 51 to 100 people.
Where is LiveMore Mortgages based?
LiveMore Mortgages is headquartered in London, United Kingdom, in the Europe region.
How does LiveMore Mortgages make money?
Three revenue lines are on record. Mortgage Interest Income is the primary driver. The others are mortgage Securitisation and broker Commission (Proc Fees).
Who are LiveMore Mortgages's main competitors?
Direct peers on record are Pure Retirement, Hodge Bank, Just Group (Just Retirement) and OneFamily. Broad incumbents are Legal & General, Canada Life UK, LV= (Liverpool Victoria), Royal London, Aviva and Scottish Widows.
Does LiveMore Mortgages have an API?
No public API is recorded for LiveMore Mortgages.