LiveMore Capital
Specialist LenderLiveMore Capital is a specialist later-life and equity release lender designed to serve borrowers aged 50 and over. They offer retirement interest-only mortgages and equity release products, addressing the growing demand for flexible lending solutions in later life.
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About LiveMore Capital
LiveMore Capital was established as a specialist later-life lender, designed to serve borrowers aged 50 and over. The lender offers retirement interest-only mortgages (RIOs) and equity release products, addressing the growing demand for flexible lending solutions in later life. LiveMore focuses exclusively on this demographic, understanding the unique needs of older borrowers.
LiveMore's retirement interest-only mortgages allow borrowers to make interest-only payments for life without a repayment vehicle, with the loan repaid when the property is sold. The lender also offers equity release products for those who wish to access housing wealth. LiveMore considers applicants with pension income, investments, and other later-life income sources.
LiveMore Capital works through qualified financial advisers and mortgage brokers. The lender is regulated by the FCA and is a member of the Equity Release Council. LiveMore has built a reputation for innovation in the later-life lending space.
Lending Focus
LiveMore Capital offers mortgage products across 2 categories including Residential, Equity Release.
Key Features
- Specialist later-life mortgage products for over 50s
- Retirement interest-only (RIO) mortgages
- Equity release plans with flexible features
- No maximum age limit on applications
- Pension and retirement income fully considered
Pros & Cons
Pros
- Specialist focus on later-life lending for over 50s
- No maximum age limit on applications
- Offers both RIO mortgages and equity release plans
- Pension and retirement income fully considered
Cons
- –Broker-only — cannot apply direct
- –Maximum 65% LTV limits borrowing capacity
- –Not suitable for younger borrowers or standard residential lending
Fees & Charges
- Arrangement Fee
- Typically £995 — varies by product
- Valuation Fee
- Based on property value — usually £250–£1,500
- Early Repayment Charge
- Varies by product — equity release plans may have ERCs in early years
- Overpayment Allowance
- Up to 10% per year on RIO products; varies on equity release
Mortgage Rates
Rate data coming soon. View rates on LiveMore Capital
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 3–6 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 65%
Frequently Asked Questions
Is there a maximum age for LiveMore Capital mortgages?
Does LiveMore Capital offer retirement interest-only mortgages?
What income does LiveMore Capital accept?
How to Apply
Broker only. LiveMore Capital products are available through mortgage brokers. Find a broker with LiveMore Capital on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.