LiveMore Mortgages
LiveMore Capital is the UK's most flexible specialist later life mortgage lender - founded in 2020 to solve the problem faced by millions of borrowers aged 50-90+ who cannot access the mortgage options they need from mainstream lenders.
About LiveMore Mortgages
No maximum age. No rigid income model. RIO, interest-only, capital repayment, and lifetime mortgages - the widest range in the market for older borrowers.
The options we compare
LiveMore Interest Only Mortgage
Standard interest-only mortgage at any age. Monthly interest payments from pension income, State Pension, drawdown, or rental income. Capital repaid from property sale or a defined repayment vehicle. No upper age restriction.
LiveMore RIO (Retirement Interest Only)
Retirement Interest Only - the capital repaid from the eventual property sale with no fixed term end. LiveMore's RIO has no maximum age and accepts the widest range of pension income types in the market.
LiveMore Capital Repayment
Full capital and interest repayment mortgage at any age. Monthly payments cover capital and interest. Suitable for older borrowers with sufficient pension income who want to own their property outright.
LiveMore Lifetime Mortgage
LiveMore also offers lifetime mortgages - no monthly payments, interest rolls up, repaid from property sale. ERC-approved plans with all standard consumer protections.
Part and Part Mortgage
LiveMore's unique part and part structure - part capital repayment, part interest only - in a single mortgage. Allows payment of part of the capital during the term while keeping the interest-only balance for later repayment.
Pension Income Acceptance
LiveMore accepts State Pension, defined benefit pensions in payment, defined contribution drawdown, SIPP income, annuities, rental income, investment portfolio drawdown, and self-employed income. The most comprehensive income acceptance model in the market.
How We Help
Income and age assessment
We establish your full income picture - all pension income types, rental income, investment income. We confirm what LiveMore can offer and compare against other relevant specialist lenders.
Product selection
LiveMore's range is uniquely broad - RIO, interest-only, capital repayment, part-and-part, and lifetime mortgage. We identify the right structure for your needs.
LiveMore application
We manage the LiveMore application as authorised intermediaries. LiveMore's smart technology plus human underwriting delivers efficient decisions.
Completion
LiveMore manages the application through to completion. A single point of contact throughout.
Speak to our later life lending specialists
Call 0204 6211776 · Whole-of-market advice across all later life products · FCA No. 814533
Frequently asked questions
What is the maximum age LiveMore will lend to?
LiveMore has no maximum age limit - they assess every case on its merits regardless of age. At 90+, monthly payment products require sufficient pension income to service the payments, but there is no age-based rejection criterion. This makes LiveMore unique among UK mortgage lenders.
Does LiveMore accept State Pension as income?
Yes - State Pension is accepted by LiveMore as income for mortgage affordability. Combined with a private pension, drawdown, or rental income, State Pension contributes to the overall affordability assessment. LiveMore's income acceptance is the most comprehensive of any mortgage lender.
What is LiveMore's part-and-part mortgage?
LiveMore's part-and-part mortgage splits the loan into two portions - one on capital repayment terms and one on interest-only terms. This allows borrowers to pay off part of the capital during the term (reducing the eventual property sale repayment burden) while keeping payments manageable on the interest-only portion.
Is LiveMore better than a RIO from Hodge?
LiveMore and Hodge are both excellent specialist later life lenders with different strengths. LiveMore has no maximum age and the broadest income acceptance. Hodge can lend up to 75% LTV on RIO - higher than LiveMore in some cases. We compare both for every RIO enquiry to identify which offers the better terms for your specific age, income, and required loan amount.
Can LiveMore refinance a mortgage that is expiring?
Yes - LiveMore regularly takes on remortgage cases where a borrower's existing lender has indicated they will not extend the term. This includes both interest-only mortgages approaching term end and capital-and-interest mortgages where the remaining term is very short. Contact us urgently if your existing mortgage term is ending.