Livemore Capital Mortgages
Later life mortgage specialist for borrowers over 50. No maximum age limit, pension income accepted, and interest-only options designed for retirement.
Mortgages designed for life after 50
Livemore Capital was created to address a gap in the mortgage market that leaves many older borrowers without options. Mainstream lenders often decline applications from borrowers approaching or past retirement age, even when they have substantial equity and reliable pension income.
Through Doulton Bridging Finance, we help later life borrowers access Livemore's specialist products. Whether you need to remortgage an existing loan, raise capital for home improvements, or purchase a new property in retirement, we find the right solution and guide you through every step.
Expert access to Livemore lending
Later Life Lending Specialist
Livemore Capital focuses exclusively on lending to borrowers in the later stages of their working life or already in retirement, with products designed around the realities of over-50s finances.
No Maximum Age Limit
Unlike most lenders who impose strict maximum age caps, Livemore considers applications from borrowers of any age, assessing each case on its own merits and ability to service the mortgage.
Pension Income Accepted
State pension, private pensions, annuities, and drawdown income are all accepted for affordability. Livemore understands how retirement income works and assesses it accordingly.
Interest-Only Options
Interest-only mortgages are available for the full term or part of the term, with flexible repayment strategies including downsizing, investment portfolios, and property sale.
Remortgage in Retirement
Borrowers approaching the end of an existing mortgage term who need to remortgage can access Livemore products, avoiding the forced sale that some lenders require at term expiry.
Capital Raising
Homeowners can raise capital against their property for home improvements, gifting to family members, debt consolidation, or other purposes without needing to sell or downsize.
How it works
Retirement Review
We review your income in retirement, property equity, and borrowing goals to assess whether Livemore's later life products offer the best solution for your needs.
Product Matching
We match you to the most suitable Livemore product, considering your income sources, repayment preferences, and how long you intend to hold the mortgage.
Application Support
We prepare and submit your application with all income evidence and supporting documentation, managing the process through Livemore's specialist underwriting team.
Completion
We coordinate with your solicitor and Livemore to complete the mortgage efficiently, ensuring you can access your funds or secure your property without delay.
Explore your later life mortgage options
Age should not be a barrier to mortgage finance. Let our team connect you with Livemore's specialist later life products.
Frequently asked questions
Can I get a Livemore mortgage through Doulton?
Yes. We hold broker agencies with Livemore where available and can access their intermediary product range. Where Livemore is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.
Why apply to Livemore via a broker rather than direct?
Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Livemore cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does Livemore offer?
Livemore's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Livemore can support today.
What if my application is complex - non-standard income, expat status, adverse credit?
Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.
How long does a mortgage application take?
Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.
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