Written by Mark Langshaw Reviewed by John Tarazi
19 July 2026
Lowest rate is currently 5.98% - 5 years fixed interest only mortgage at 60% LTV
1 July 2026
Lowest rate is currently 5.84% - 5 years fixed interest only mortgage at 60% LTV
1 July 2026
Lowest rate is currently % - 0 year interest only mortgage
1 July 2026
Full rewrite to bring page up to date
20 February 2021
First Published
LiveMore Capital is a specialist mortgage lender that explicitly champions borrowers aged 40 and over. While traditionally focused purely on "later life" lending for retirees, LiveMore made headlines by lowering their minimum age to 40 to combat what they describe as the "midlife mortgage crisis."
They offer a genuine alternative to high-street banks, which often rely on rigid algorithms that aggressively restrict mortgage terms or outright reject applicants as they approach standard retirement age. LiveMore’s philosophy is that later life is full of possibilities, and age should not be a barrier to securing property finance.
You can compare the latest rates from LiveMore against the rest of the market using our free mortgage-sourcing tool below and find out more about their equity release range here.
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Representative example
A repayment mortgage of over year, APR %. Total payable (incl. product fees of ). Repayments: months at (%), then months at (%, variable). Early repayment charges apply. Rates not guaranteed.
About these rates
Rates shown are illustrative based on the property value, mortgage amount, and term you entered above. Actual rates and total cost depend on your credit profile, deposit, and lender assessment. APR figures include product fees where applicable. Early repayment charges may apply. Rates are not guaranteed and may change before you apply - speak to an adviser to confirm what's available to you today. For a per-product representative example, open Show full details on any card above.
Mortgage & Finance Products
LiveMore is unique because they offer a complete spectrum of later-life property finance under one roof.
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Product Category |
Description |
Standout Features |
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Standard Mortgages (Repayment & Interest-Only) |
Traditional mortgages where you pay the capital and/or interest each month. |
Terms can extend well past standard retirement age, allowing 40-to-60-year-olds to secure 25+ year terms. |
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Designed for clients who have no plans to move. You pay the interest monthly, but the loan has no specified maturity date. |
The capital is only repaid when the borrower passes away or moves into long-term care. |
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A product providing a lump sum or drawdown facility where no monthly payments are required. |
They offer Downsizing Protection and a "Significant Life Event Waiver" to avoid Early Repayment Charges (ERCs) if a spouse passes away. |
Lending Criteria
LiveMore completely eschews automated credit scoring in favor of manual underwriting, assessing each borrower’s holistic financial situation.
Borrower Profile & Age
Following their criteria overhaul, the minimum age for standard mortgages and RIOs is just 40. For Lifetime Mortgages (Equity Release), the minimum age is 55. They will lend to borrowers up to age 90 at application, catering to a demographic that mainstream lenders frequently ignore.
Income Flexibility
This is where LiveMore truly shines. High-street banks often struggle to classify complex retirement income. LiveMore will amalgamate multiple income streams to maximise affordability. They readily accept State Pensions, private SIPPs, self-employed income (even for those working past 70), and rental income from property portfolios.
Credit History Tolerance
LiveMore operates a tiered system (LiveMore 1 through 4) to accommodate different credit profiles. In mid-2026, they significantly eased their criteria for borrowers with historical arrears. Instead of a computer issuing an automatic decline for an old missed payment or CCJ, human underwriters assess the borrower's recent financial behavior. They will even accept applicants with Debt Management Plans, provided the mortgage funds are used to settle the debt.
Property Types
Through their Property+ range, LiveMore boasts some of the most flexible property underwriting in the market. They lend on non-standard construction (like timber or steel-framed houses) and are one of the very few lenders who will consider properties with spray foam insulation, provided it is repaired within three months of receiving the funds.
Pros and Cons of LiveMore Capital
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Advantages |
Disadvantages |
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Broad Age Acceptance: Lowering the minimum age to 40 provides a lifeline for middle-aged borrowers struggling with high-street term limits. |
Intermediary Focused: While they are highly visible, you generally need to apply through a registered mortgage broker to access their products. |
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Common-Sense Underwriting: They look at the actual human being and their complete financial picture, rather than relying on a credit score. |
Premium Pricing: Because they accept complex income, older borrowers, and non-standard properties, their interest rates are higher than vanilla high-street lenders. |
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Feature-Rich Equity Release: Their Lifetime Mortgages include excellent safety nets, like Downsizing Protection and partial repayment allowances (up to 10% or 15% per year without penalty). |
Roll-up Interest: If you take a Lifetime Mortgage and choose not to make voluntary monthly payments, compound interest can cause the debt to grow rapidly. |
Customer Service and Reviews
LiveMore Capital enjoys an exceptional reputation among both brokers and consumers. On consumer review platforms like Trustpilot, they consistently hold a rating of 4.8 out of 5.
Customers frequently highlight the empathy and patience of the staff, noting that the underwriters and case managers take the stress out of remortgaging in their sixties or seventies. For the broker community, LiveMore recently launched an "Underwriting Hero Hotline," giving financial advisers direct access to decision-makers before submitting complex cases, drastically speeding up the process.
How to Apply
LiveMore operates primarily through the intermediary market. Because their products (especially RIOs and Lifetime Mortgages) are complex financial commitments, they require professional advice.
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Find a Broker: You will need to speak to an FCA-regulated mortgage broker. If you are applying for a Lifetime Mortgage, the broker must hold a specific Equity Release qualification.
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Assessment: Your broker will input your diverse income streams into LiveMore's proprietary "Mortgage Matcher" engine to find the exact product and tier you qualify for.
Get started here to begin a free, no-obligation chat with a mortgage broker who specialises in LiveMore’s product range and can help you access their best deals.
No. LiveMore recently reduced its minimum borrower age to 40. You can be in full-time employment, self-employed, or semi-retired to access their standard repayment and interest-only mortgages.
With a Retirement Interest-Only (RIO) mortgage, you must make monthly interest payments to the lender, meaning the original loan amount never increases. With a Lifetime Mortgage (Equity Release), you do not have to make any monthly payments; the interest is added to the loan balance and compounds over time.
Yes. LiveMore Capital is fully authorised and regulated by the Financial Conduct Authority (FCA). Furthermore, they are members of the Equity Release Council, meaning their Lifetime Mortgages come with strict guarantees, such as a "No Negative Equity" guarantee, ensuring you will never owe more than the value of your home.
