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023 8045 6999

023 8045 6999

LiveMore

About Us

Documents
Proc Fees
Product Gross Fee paid by lender Net fee paid to regulated broker Net Fee paid to non-regulated & client referral service
All Products 0.95% 0.50% 0.25%

Your go-to lending partner for all cases aged 50 to 90+

LiveMore is founded on the belief that thousands of people in the UK – whether they’re 50 or in their 90s – can afford a mortgage. But when it comes to lending to them, the industry doesn’t provide enough options to help them do the things they love in life.
 
More Affordability
 
At LiveMore, we look beyond age to assess financial circumstances, such as credit history, income, pensions (SIPPs and State), rental income, self-employed income, savings & investments, and many more.
 
More Products
 
We believe people are never too old to get a mortgage that’s right for them. We focus on helping customers with mortgages specially designed for them, our broad offering includes standard capital and interest, standard interest only, retirement interest only (RIO) and lifetime (equity release) mortgages.
 
More Options
 
We offer customers a wide choice of mortgage options to match their individual circumstances allowing them to fund debt consolidation, housing projects, gifting, hobbies, travelling and so much more.
 
More Property
 
We will consider a broad range of properties across all of our products including equity release, such as: non-standard construction, close or adjacent to commercial, large acreage, flat roofs, listed properties, and spray foam (subject to conditions).
 
Lending with a ‘can-do’ approach
 
We love helping in those ‘not-your average’ cases, so let’s work together to find the way to say yes to your clients.

Time Saving Technologies

  • Online calculators for instant quote across Buy-to-Let and Bridging products
  • Time-saving technologies, like using electronic signatures for applications, direct debit mandates and offers, and Onfido for digital ID check
  • Open Banking to reduce the amount of documentation that needs to be provided, saving both you and your client time on Buy-to-Let

Supporting your professional clients is our business. That’s why we’ve made growing Buy-to-Let portfolios through larger loans and Bridging Loans up to £15 million key features of our product range.

Rates for Buy-to-Let products of all sizes

  • ICR at 5% or lower
  • Same product rates for individuals and limited companies
  • LTV s up to 80% on standard properties
  • Loans up to £1.5 million for standard properties
  • HMOs up to 15 rooms and MUFBs up to 10 units
  • Loans up to £1,500,000 for large HMO
  • Loans up to £3,000,000 and 75% for MUFB properties
  • HMO minimum property values, £250k in Greater London and £100k elsewhere
  • Valuation fees are £150 for standard properties

Flexible Buy to Let Criteria:

  • New: Loans for first-time landlords
  • New: Loans for student let HMOs up to 6 rooms
  • Concentration limit of up to 15 properties in the same postcode
  • Flexible income requirements for experienced landlords
  • Funding for companies up to 3 layers
  • Tiered maximum exposure limits up to £5 million
  • No size limits on a landlord’s portfolio mortgaged with other lenders.
  • Lending on new build houses and flats up to 75%

Bridging products for any project

  • Lending up to 75% LTV for residential and auction deals
  • Up to 70% LTV for semi-commercial
  • Up to 65% LTV for commercial and land
  • Loans up to £15 million
  • Flexible purposes across auction, development exit, bridging and Bridge-to-Let
  • Bridging finance rates starting from 0.55%
  • 75% LTV resi bridging from 0.85%
  • Specialist teams for small loans up to £500,000 for fast, simple transactions and a large loans team for more complex cases
  • Serviced and retained interest
  • No exit fees
  • No application fees to assess a deal
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Please note

Our phone lines will be closed on Thursday 1st May until 10.30am for staff training.

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