Here are some recent enhancements to criteria that many brokers may not yet be aware of.
Why LiveMore?
LiveMore specialises in lending to clients aged 40+, particularly those who may face challenges with mainstream lenders around age and affordability.
Key features include:
- Generous affordability – up to 9x income, with flexibility for both employed and self-employed applicants, right up to age 80.
- Broad product range – Capital & Interest, Retirement Interest Only (RIO), Interest Only, and Part & Part.
- No maximum age limits – helping place cases that high street lenders often decline.
- 5-year fixed rate with a 3-year ERC – providing both security and flexibility.
- Mortgage Matcher Tool – instantly identifies suitable solutions and maximum loan amounts across our full product range.
- Interest Only affordability – stress tested on the interest-only element only.
- Enhanced affordability through assets – savings, investments, pensions and SIPPs (even where not yet in drawdown) can be used to support affordability assessments.
Recent Criteria Enhancements
- Adverse Credit – we have shortened our adverse credit review periods, helping more clients with historic credit issues access borrowing.
- Property Scenarios – where cases are declined due to property location, construction type, or other property-related concerns, we may still be able to help.
Let’s Discuss Your Complex Cases
If you have cases that have been declined elsewhere or you’re struggling to place, book a 20-minute meeting with your BDM to explore how LiveMore’s flexible criteria and specialist approach could help.
To get started:
Register:
https://portal.livemoremortgages.com/bp/register/search-firms
Login:
https://portal.livemoremortgages.com/bp/login
Alternatively, if you would like to discuss a case straight away, please feel free to contact me.
Many Thanks,
Rick Shread
Outbound Broker Development Executive
E: rick.shread@livemoremortgages.com
T: 020 4538 9495