At LiveMore, we create mortgages designed for life aged 50-90+.

We’re proud to take a fresh approach to affordability. We look beyond salary, considering pensions or rent income, investments, savings and more.

Our range of mortgages can be designed to suit your customer’s needs. We’ll lend up to 75% LTV, with terms they can flex over time, even with complex circumstances.

Our dedicated team is on hand to discuss individual case requirements and facilitate a fast, easy application process.

Help your customers keep living the life they love with LiveMore.

Proc Fees

Product Gross Net
Fee Min Max Fee Min Max
Standard proc fee (all products)
0.55% 0.52%
Ongoing annual proc fee (all products, for completions where a care call takes place annually, up for a max of 15 years)
0.13% 0.12%
Enhanced proc fee (available on 20 year and fixed for life products)
1.10% 1.05%

Key Features

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    Mortgages up to 75% LTV

  • Flexible on complex circumstances

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    Open to most kinds of property

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    All incomes welcome



Why Choose Livemore?

Fresh approach to affordability

-  All incomes welcome eg. assets, foreign income, retirement income and more

Award winning products

- Product tiers to allow adverse credit, debt consol and more

Flexible on property

- Most kinds of property eg. retirement homes, listed buildings, above or near semi commercial and more

EarnMore: unique to market proc fees

- EarnMore, while supporting your customers
- Ongoing proc fee: 0.55% gross upfront then 0.13% gross fro up to 15 years*
- *Providing annual care call is completed for 15 years or the duration of the term.

What Type Of Customers Can Livemore Help?

LiveMore’s range of mortgage products enables a wide variety of customers, in very different situations, to live their later life to the full. 

These customers include: 

End of term 

- Customers who are stuck on a high interest rate and no longer meet the criteria of their existing lender. They are sometimes called mortgage prisoners. 

Debt consolidation 

- Customers who see an opportunity to reduce existing monthly payments and increase disposable income through the consolidation of existing debts. 

Bank of Mum and Dad 

- Customers who want to help their children or grandchildren with financial support to get on the housing ladder, pay off student loans, etc. 

Purchasing a home 

- Borrowers over 50 who aspire to buy their dream home or second home, who can benefit from a human approach to underwriting. 

Home improvements 

- Customers who want to update their existing property, who can free up funds with an Interest Only mortgage. 

Inheritance Tax 

- Customers looking to take a mortgage and then use / gift the proceeds to reduce the amount of family tax that might be due in the future.

Please note, LiveMore currently only lend in England, Scotland & Wales.

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