What livemore capital does

LiveMore Capital Limited is a UK-based specialist mortgage lender focused on borrowers aged 50-90+, a demographic materially underserved by high-street lenders due to age-based lending caps and rigid affordability criteria. The company operates exclusively through FCA-regulated entities (LiveMore Capital Limited, FRN 820578; LiveMore Advice Limited, FRN 730706) with headquarters in London and a secondary office in Glasgow. Its product suite comprises four core mortgage products: Standard Capital & Interest (up to 80% LTV, terms to 40 years), Standard Interest Only (up to 75% LTV), Retirement Interest Only or RIO (no specified end date, repaid from sale of home), and Lifetime Mortgage (equity release, no monthly payments, Equity Release Council member with No Negative Equity Guarantee). The main website copy positions the minimum age as 40, while broker product pages focus on 50-90+, suggesting a recent broadening of the target segment.

The company's core technology is manual underwriting with flexible affordability assessments that consider diverse income streams including state and private pensions, rental income, self-employed earnings, foreign income, savings, and investments, rather than relying on automated credit scoring. Supporting digital infrastructure includes the LiveMore Mortgage Matcher affordability calculator, which surfaces 200+ products to brokers, and a dedicated broker portal at portal.livemoremortgages.com for case management and product access. LiveMore rejects automated credit scoring from Credit Reference Agencies and instead uses Experian and Fraud Prevention Agencies only for factual account history, identity verification, and AML checks. The company is ICMA Social Bond Principles aligned, with 100% of standard mortgage lending serving the underserved ageing population (UN SDG Targets 10.2 and 10.3), and has obtained Second Party Opinions validating its social bond framework.

LiveMore's business model is interest income on originated mortgages, supplemented by structured proc fees paid to brokers (0.55% gross upfront standard, up to 1.10% gross upfront for Fixed for Life products, plus 0.13% ongoing trails for up to 15 years). The company operates a broker-only distribution model with no direct-to-consumer lending, requiring all applications to be submitted through qualified intermediaries (CeMAP for standard mortgages, CeRER for equity release). Marketing channels emphasize intermediary relationships, content marketing on retirement mortgage and equity release topics, earned media in UK national press (The Sunday Times, The Daily Mail, The Telegraph, City AM), and a Refer a Friend program paying £250 to both referrer and referee. Pricing varies materially by product type and borrower profile, with current Lifetime Mortgage rates from 7.63% and RIO rates from 6.18% (5-year fixed). The company has won Mortgage Strategy Best Lender for Later Life Lending and Best Equity Release/Lifetime Lender awards, and holds a 4.8/5 Trustpilot rating.

Name

livemore capital

Legal name

LiveMore Capital Limited

Website

https://livemorecapital.com

Company type

Private

Founded year

2019

Operating status

Operating

Short description

LiveMore Capital is a UK specialist mortgage lender providing residential mortgages to borrowers aged 50-90+ who are underserved by high-street lenders, distributing exclusively through mortgage brokers and offering flexible manual underwriting for complex income situations.

Ownership category

akta.pro rank

Product category

Specialist Mortgage Lending (Later Life)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)

Keywords

• Later life mortgages
• Retirement interest only
• Lifetime mortgages
• Equity release lending
• Specialist mortgage lender

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Marketing or Sales, Personnel, Operations, Technology or R&amp, D, Infrastructure, Others

Revenue model

1. Mortgage Interest Income: LiveMore earns revenue primarily through interest charged on mortgages they originate. This includes Standard Capital & Interest, Standard Interest Only, Retirement Interest Only (RIO), and Lifetime Mortgage (Equity Release) products. Interest rates vary by product type and term length.
2. Broker/Intermediary Proc Fees: LiveMore pays proc fees to mortgage brokers and intermediaries who bring customers. Options include 0.55% gross upfront, or enhanced options up to 1.10% gross upfront for Fixed for Life products, plus ongoing fees of 0.13% gross annually for up to 15 years.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

LiveMore Capital is a specialist UK mortgage lender providing residential mortgages to borrowers aged 50-90+ who are typically rejected by mainstream lenders. Its core products comprise Standard Capital & Interest (up to 40 years, up to 80% LTV), Standard Interest Only (up to 40 years, up to 75% LTV), Retirement Interest Only (RIO, no specified end date, up to 75% LTV), and Lifetime Mortgage/Equity Release (age 55-90, no monthly payments). Distribution is delivered exclusively through FCA-qualified mortgage brokers, intermediaries, and financial advisers, supported by the proprietary LiveMore Mortgage Matcher affordability calculator and a dedicated broker portal.

Product overview

LiveMore Capital operates as a specialist mortgage lender focused on later-life borrowers aged 40-90+. The company offers a portfolio of four core mortgage products: Standard Capital & Interest (repayment mortgage), Standard Interest Only, Retirement Interest Only (RIO), and Lifetime Mortgage (equity release). The product suite is supported by digital tools including an affordability calculator (LiveMore Mortgage Matcher) with access to 200+ product options, and a broker portal for intermediary case management. Products are designed to serve borrowers who are underserved by mainstream lenders, with flexible criteria considering diverse income streams and property types.

Differentiator

Problem solved

Functional benefit

Brands

• Standard Capital & Interest: Capital repayment mortgage for ages 50-90+, with terms up to 40 years and up to 80% LTV.
• Standard Interest Only
• Retirement Interest Only (RIO)
• Lifetime Mortgage
• LiveMore Mortgage Matcher

Products and services

• Standard Capital & Interest A capital repayment mortgage where borrowers repay both capital and interest each month over a chosen term up to 40 years. Available to applicants aged 50-90+ who are working or retired, with loan-to-value up to 80%. For UK consumers aged 50-90+ advised via FCA-qualified mortgage brokers and intermediaries.
• Standard Interest Only An interest-only mortgage where borrowers only pay interest monthly while the capital remains unchanged until the end of the term. Available from age 50 to 90+ with loan-to-value up to 75% and terms up to 40 years. For UK consumers aged 50-90+ advised via FCA-qualified mortgage brokers and intermediaries.
• Retirement Interest Only (RIO) A retirement-focused interest-only mortgage available from age 50 with no specified end date, repaid from the sale of the home when the borrower passes away or moves into long-term care. Offers fixed-rate terms including 2-year, 5-year, 10-year and lifetime options. For UK consumers aged 50+ (particularly mortgage prisoners and retirees) advised via FCA-qualified brokers.
• Lifetime Mortgage (Equity Release) A type of equity release mortgage providing a lump sum or drawdown loan with no monthly payments required. Available from age 55 to 90. Interest compounds over time if not paid, with the loan repaid when the borrower passes away or moves into long-term care. Includes downsize protection and Equity Release Council safeguards (including the No Negative Equity Guarantee). For UK consumers aged 55-90 advised by CeRER-qualified equity release advisers.
• LiveMore Mortgage Matcher (Affordability Calculator) An online affordability calculator that helps brokers and customers assess potential borrowing amounts based on applicant details (age, income, property value). Integrates with a portfolio of over 200 mortgage products to display suitable product options. For FCA-qualified mortgage brokers and financial advisers supporting LiveMore's lending products.
• Broker Portal An online portal for mortgage brokers to submit applications, access product information, and manage client cases through LiveMore's lending process. Access requires CeMAP qualification for standard mortgages and CeRER for equity release products. For FCA-qualified mortgage brokers and financial advisers distributing LiveMore's lending products.

Quantifiable outcome

• Only 4% of people over 50 believe they can get a new mortgage - LiveMore provides access for this underserved group
• +3 more outcomes

Named customers18 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core.

• The Green BranchcoreStrategic or Co-development PartnerLiveMore has partnered with The Green Branch, a leading carbon offset provider and B Corporation, to offset their irreducible carbon footprint by supporting forestry projects. Last year projects were in Brazil; this year in Borneo. These initiatives protect and restore vital ecosystems, absorb CO2, fight deforestation, and ensure local communities benefit from sustainable practices. LiveMore has obtained certificates and impact reports from The Green Branch documenting their environmental contribution.
• ExperiancoreTechnology or IntegrationLiveMore uses Experian for credit checks, identity verification, and fraud prevention as part of their lending process. Experian is one of the major Credit Reference Agencies (CRAs) used for creditworthiness assessments, identity checks, and regulatory compliance. LiveMore does not utilise CRA 'scores' for lending decisions, using only factual account history records.
• Equity Release CouncilcoreStrategic or Co-development PartnerLiveMore is a member of the Equity Release Council and adheres to their standards for protecting customers. Their Lifetime Mortgage products include the No Negative Equity Guarantee safeguard, meaning customers will never pay back more than their home can be sold for. Membership requires adherence to industry standards and consumer protection measures.
• UN Sustainable Development Goals AlignmentcoreStrategic or Co-development PartnerLiveMore's standard mortgage products contribute to achievement of United Nations Sustainable Development Goals, specifically Targets 10.2 and 10.3 'Reducing Inequalities'. Their Social Bond Framework aligns with ICMA Social Bond Principles 2021. They have obtained Second Party Opinions validating their social bond framework.
• Credit Reference Agencies (CRAs)coreTechnology or IntegrationLiveMore works with Credit Reference Agencies for credit and identity checks as part of the mortgage application process. They use CRAs to assess creditworthiness, prevent fraud and money laundering, and manage ongoing mortgage accounts. Information is exchanged while customers have a relationship with LiveMore, including payment history and any defaults.
• Fraud Prevention AgenciescoreTechnology or IntegrationLiveMore uses Fraud Prevention Agencies (FPAs) for fraud and money laundering prevention checks before providing services. These checks verify identity and help prevent financial crime. FPAs may hold personal data for up to six years if fraud or money laundering risk is identified.

Scale indicators13 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Key Group: Key Group is a UK specialist in later-life lending and equity release, offering lifetime mortgages and retirement interest-only products. They directly compete with LiveMore in the same later-life borrower segment with similar product offerings and broker distribution model.
• More2Life: More2Life is one of the largest UK equity release specialists, offering lifetime mortgages through brokers. They compete directly with LiveMore's Lifetime Mortgage product line and serve the same over-55 demographic.
• Just Group: Just Group is a UK-listed specialist in retirement income products including equity release and lifetime mortgages. They share the same target demographic and broker distribution model as LiveMore, though they are much larger and more established.
• Specialist Mortgage Group (Bridgewater): Bridgewater is a UK specialist mortgage lender focused on borrowers with complex circumstances, including older borrowers and self-employed. They share LiveMore's niche focus on underserved borrowers with flexible underwriting.
• Foundation Home Loans: Foundation Home Loans is a UK specialist mortgage lender offering products to underserved borrowers including self-employed and older borrowers. They share LiveMore's distribution model of broker intermediated lending with flexible criteria.

Broad incumbents

• Legal & General Home Finance: Legal & General's Home Finance division offers lifetime mortgages and later-life lending products through a broker network. They are a major incumbent in the equity release space with broader balance sheet backing than LiveMore.
• Aviva (Equity Release): Aviva offers lifetime mortgages and equity release products through traditional and broker channels. As a major UK insurer, they have broader financial services reach but compete in the same later-life lending space as LiveMore.
• Halifax (Lloyds Banking Group): Halifax is the UK's largest mortgage lender, serving a broad customer base including older borrowers. While they don't compete at the same specialist level, they represent the mainstream lenders that LiveMore differentiates against.

Emerging players

• Kent Reliance (OneSavings Bank): Kent Reliance offers specialist mortgages including complex buy-to-let and self-employed products. They overlap with LiveMore in serving borrowers with non-standard income circumstances and complex profiles.

Others

• Equity Release Council: The Equity Release Council is the industry body for the UK equity release market, of which LiveMore is a member. They set standards for the sector and provide market context relevant to LiveMore's lifetime mortgage business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about livemore capital